A Study On The Development Of Agricultural Loan Business In H Branch Of Agricultural Bank Of China

Throughout China's five thousand year history of civilization,agricultural development has always been the core of national development strategy.In recent decades,China has paid more attention to the issues of agriculture,rural areas and farmers,which has led to the rapid development of China's agriculture,the formation of regional industrial chain,and the stronger demand for agricultural financial services.Agricultural financial services have become an important support for the sustainable development of agriculture and regional economic development,providing a strong guarantee for further solving the issues of agriculture,rural areas and farmers.In order to improve the business ability and management efficiency of agricultural related loans,H branch of Agricultural Bank of China has established the three rural financial service department,which is specially responsible for agricultural related loans.The main loan objects are enterprises and individuals in the agricultural industry.The service area is facing the whole country and the main areas,but in the face of complex loan environment and fierce market competition,H branch's three rural financial service department is in urgent need of finding Improve the service level,enhance the service ability,give full play to their own advantages to improve the competitiveness of the industry.Based on the background of financial system reform at the national level,this paper analyzes the current situation of agricultural related loans from the perspective of business growth of agriculture,rural areas and farmers financial service department of Agricultural Bank of China H branch.The purpose of this paper is to find out the common problems in the development of agriculture related loans through the research of H branch's agriculture,rural areas and farmers financial service department,so as to provide basis for the sound development of agriculture related loans and further improve the overall level of rural financial services in China.This paper first introduces the research background of this topic.Then it introduces the significance of the research,the research status at home and abroad,and the research ideas and methods of this paper.Next,it systematically describes the relevant theories and concepts of agricultural loan business of Agricultural Bank of China,H branch,agriculture,rural areas,financial services department.Then it introduces the current situation of Agricultural Bank of China H branch's three rural financial service department,and analyzes the data.This paper analyzes the scale,structure and quality of the agricultural loans granted by the service department,and divides the agricultural loan data according to the dual structure of city and township.Through the overall analysis of these data,it is found that the agricultural loans account for about 30%of the loan business of the service department,and the main business tends to the rural areas,and the business volume fluctuates greatly in the past two years.H branch and the same industry indicators were compared with non-performing loan ratio and agricultural related loans,and the risk control of the service department was analyzed.Finally determine the causes of non-performing loans of the service department.Then it analyzes the problems existing in agricultural loan business of Agricultural Bank of China H branch,agriculture,rural areas and farmers financial service department,and makes swot4 analysis on the main factors affecting the business.The change of the external environment directly affects the agricultural loan business of the service department.Due to the gradual slowdown of the national economic growth,policy adjustment and other factors,the loan demand of enterprises has weakened,which has a certain impact on the agricultural loan business.As more and more financial institutions begin to involve in agricultural loan business,the competition in rural financial market is more fierce,which has a certain impact on the Agricultural Bank of China H branch,agriculture,rural areas and Financial Services Department.In addition,the problems of Agricultural Bank of China H branch's financial service department for agriculture,rural areas and farmers are more prominent.Agricultural Bank of China has fewer outlets at the township and village level,weak mass base at the grassroots level,immature risk control measures for agricultural loans,lack of marketing experience of rural financial market in customer manager team,single information channel,and rigid loan recovery mechanism,all of which have an H-score for Agricultural Bank of China The agricultural related loan business of the bank's financial service department for agriculture,rural areas and farmers further developed and had an impact.Then the paper compares the situation of agricultural loan business carried out by H branch of Agricultural Bank of China and other banks carrying out agricultural loan business,lists the situation of agricultural loan business of Z bank and W bank,and tries to find out the advanced experience of other banks,so as to provide reference for the development of agricultural loan business of H branch.Then the corresponding suggestions are given for the problems found.In order to further expand the scale of agriculture related loans,the agriculture,rural areas and farmers financial service department of H branch of Agricultural Bank of China must expand the grass-roots influence.First,it is necessary to strive for cooperation with the grass-roots township government and obtain the support of the grass-roots government.Second,it is necessary to carry out publicity activities in rural areas to let farmers understand the advantages of the bank's agriculture related loans.Third,it is necessary to strengthen the development of financial products and develop more Loan products that meet the needs of farmers,enrich the content of products and improve the flexibility of products;further improve the service quality of agricultural loans,optimize internal management,train business managers,improve service ability,expand information channels,timely understand the market situation of rural finance,and establish a sound loan recovery system.