Case Study Of Agricultural Promotion Loan Of Xiaogang Village:Based On Agricultural Bank Of China

Since the implementation of Reform and Opening-up Policy in China,the central government has been paying close attention to the issues of agriculture,rural areas and farmers,and has always regarded them as fundamental factors to the promotion of national economy and people's livelihood.In the development of modern economy,finance is one of the key factors to support the development of agriculture,rural areas and farmers.In 2016,during the visit to Xiaogang Village,President Xi Jinping stated that development of agriculture,rural areas and farmers is the major focus of the Party,and it is the historical responsiblity of the Agricultural Bank of China to focus its business on the development of agriculture,rural areas and farmers.It would be the top priority for the Agricultural Bank of China to assist farmers in the money-gaining process.Innovated on the basis of "Farmer Assistance Loan",the "Agricultural Promotion Loan" is introduced in Fengyang County Branch of Agricultural Bank of China,under the background of the rural collective property rights system reform,combined with Xiaogang Village has "Three Changes" reform practice,collective assets equity pledge as the breakthrough point of the innovation of farmer household loans "collateral",will introduce Xiaogang Village has risk-sharing policy of both bank and government as the innovation mode of the starting point,a farmer network finance product development,and also the first financial innovation product in the reform of state-owned large and medium-sized bank "Three Changes" service.During the compilation of this Paper,the author learned from a large number of literature of domestic scholars in the fields of farmer household loan pattern,related risks and benefits,studied relevant theoretical basis,and drew lessons from foreign successful experiences in promoting farmers loans and select Fengyang County Branch of Agricultural Bank of China as the pilot object as an actual case analysis of detailed loan mode of "Agricultural Promotion Loan" to summarize the innovation points.On the basis of empirical analysis,the author put deep insight into the problems and causes of "Agricultural Promotion Loan",put forward improvement suggestions on existing problems,in order to promote the stable development of "Agricultural Promotion Loan".And for other areas of agricultural bank to deal with the problem of financing problems of farmers,the author provide new ideas from place to place in appropriate innovation loan model provides reference experience as well as some ideas for optimizing financial services to agriculture,rural areas and farmers.