Study On The Strategy Of Modern Agricultural Credit Business By Rural Credit Union Of Jilin

The business of agricultural credit plays a certain role in promoting the development of rural economy,and solves the problems of insufficient funds for the production and operation of farmers,rural economic organizations and agricultural enterprises.However,the development of rural financial business in China is relatively late,and there are some problems in the development process.The development of financial business cannot better meet the economic needs of "agriculture,rural areas and rural residents".This paper follows the basic idea of financial enterprise operation management and establishes that banking financial institutions should be market-oriented.It pays attention to customer demand,develops credit business and products that meet market and customer demand,increases credit capital investment,innovates credit business management mode,improves credit business handling efficiency,establishes and improves incentive and constraint mechanism,and effectively prevents credit business risks.Rural credit cooperatives are the main force of rural finance.Jilin Rural Credit Cooperatives is a local financial institution in Ji Lin Province.Over the years,it has adhered to the market positioning of “based on agriculture,rural areas and farmers,facing the community and serving urban and rural areas”.From the perspective of enterprises themselves,rural finance is required to actively and effectively integrate into modern agriculture and promote the development of modern agriculture.This paper takes the modern agricultural credit business of rural credit cooperatives in Jilin province as the main research object,and studies and analyses the development status and problems of modern agricultural credit business.It finds out the shortcomings in the process of modern agricultural credit business,and then put forward targeted measures and methods,so as to better promote the development of modern agricultural credit business of Jilin province rural credit cooperatives.The research methods of this paper mainly include literature research and empirical analysis.It surveys modern agricultural credit business of rural credit cooperatives in Jilin province to obtain relevant data.Through investigation and research,the following conclusions are drawn: first,the demand for modern agricultural credit business in Jilin province is gradually increasing,but the effective supply provided by financial institutions is insufficient.Secondly,it analyses the problems and causes of modern agricultural credit business of Jilin rural credit cooperatives.The study points out that factors such as the relatively backward development of rural economy,the imperfection of financial institutions,the imbalanced restriction of credit structure,the insufficient innovation of rural finance,the poor ecological environment of rural finance,and the imperfect risk guarantee mechanism are the main reasons for the unfavourable development of modern agricultural credit business in Jilin province.Third,in view of the current situation of development and related problems,through empirical analysis,this paper puts forward targeted strategic recommendations.We need to vigorously develop the credit business of new agricultural business entities such as large seed and breeding households,family farms,agricultural cooperatives and leading enterprises in agricultural industrialization.We will make innovations in introducing such regional modern agricultural credit services as green agricultural credit in the eastern mountainous areas,urban agricultural credit in the central plains and ecological agricultural credit in the western grasslands.Finally,in order to ensure the smooth implementation of modern agricultural credit business development strategy,this paper proposes to put forward the front,middle and back-stage around business,implementing loan target management,enrich credit business products,optimizing business process,establishing assessment and evaluation system,improving risk prevention mechanism and other safeguard measures.