Research On The Financial Support For Agriculture Of Commercial Banks

Finance is not only the core of modern economy,but also an important means to promote the rational allocation of factors and the development of real economy.In recent years,with the gradual implementation of the policy of strengthening agriculture and benefiting agriculture,commercial Banks have been increasing their financial support for agriculture and the balance of agriculture-related loans has continued to rise.At the same time,however,there are still many problems and obstacles in the process of financial support for agriculture by commercial Banks,and chronic diseases such as high risks and high costs in financial services for agriculture,rural areas and farmers have not been eliminated,which has affected the flow of various resource factors to agriculture,restricted the development of rural economy,and hindered farmers' income.This article through studies the plight of the commercial bank service financial support agriculture,from the perspective of political economy,the commercial bank financial support agriculture of each related interest subjects in the process of interest relations of dialectical analysis,put forward the corresponding countermeasures and Suggestions,in order to decision makers to develop the financial support of"agriculture,rural areas and farmers" policy can be combined with China's unique national conditions,from refactoring rational pattern of interests and improve the system of socialist economy to consider the deeper level,for the commercial bank financial support agriculture in the new period to provide theoretical support and practical reference.The author will be involved in the commercial bank financial support agriculture service main body is divided into the interests of the government,commercial Banks,three categories of agricultural management main body,through the study,the combination of empirical analysis and normative analysis method,method,for the characteristics of different stakeholders and interests gain and loss in the process of financial support agriculture in the commercial bank has carried on the comparative analysis.Full-text on commercial bank financial support agriculture first elaborates the theoretical basis of political economics,the commercial bank financial support agriculture's agent in the analysis of the interest relations,from the government and commercial Banks,the characteristics of the three major agricultural management main body benefit main body and in the commercial bank financial support agriculture in the interests of the relations between and among study,combining with specific cases,discusses the government and farmers in commercial Banks and commercial Banks in the process of financial support agriculture,analyzed the plight of the various stakeholders and causes,based on the experience of the international commercial bank financial support agriculture,finally through the comparison and analysis,Based on the theory of political economy,this paper proposes the following countermeasures and Suggestions:(1)the main body of the government should improve the external system supply and guarantee the reasonable interests of commercial Banks;We will improve policies to strengthen agriculture and benefit farmers,and improve the resilience of agricultural business entities.(2)Agricultural business entities should improve the degree of organization,enhance the ability to resist risks and have a greater say in the lending market;Strengthen the spirit of contract and sense of integrity,and respect the interests of commercial Banks.(3)Commercial Banks should strengthen financial support for agriculture and rural areas and enhance their service capacity;We will improve risk mitigation mechanisms and improve risk managementAuthor standing on the position of marxist political economics,professor hou to adopt and use of the ideas of political economics,analysis the problems of the commercial bank financial support agriculture,find out the commercial bank financial support agriculture involves the different interests in the process of the main body,the interests of the relationship between them and the actual investigation,on this basis,and gives a reasonable value judgment,trying to find what interests relationships are caused by the current system is not reasonable,cannot achieve the maximization of social welfare,and study how to adjust and reconstruct the reasonable pattern of interests distribution,makes the commercial bank financial support agriculture run more harmonious,We will work to solve problems concerning agriculture,rural areas and farmers and improve the socialist economic system.