Research On The Problems Of Rural Credit Cooperatives In Guangdong Province

The development of China’s rural areas in the new era and the steady implementation of rural revitalization are inseparable from the strategic support of financial services.However,the problem of difficult loans for agriculture,rural areas and farmers has not been improved all the time.In the process of agricultural and rural modernization,the rural financial environment also appears more and more difficulties and shocks.Rural credit cooperatives association of Guangdong province as the province’s core financial institutions on the development of agriculture loan also appear all sorts of problems,the process of agriculture loan is one of the main GDRCC service to agriculture,rural areas and farmers service way,only to solve these problems can better realize the sustainable development of agricultural economy and rural areas of Guangdong province,and provide a steady stream of financial power to rural revitalization.Based on the rural credit cooperatives association of Guangdong province as the research object,through literature research,data analysis,questionnaire investigation method to analysis the current situation of rural credit cooperatives loan support agriculture in Guangdong province,found that exist in the process of the development of agriculture loan scale is not big enough,unbalanced structure,high level of risk,low efficiency,lack of talent,and imperfect system of rural credit problem,Combined with agricultural credit subsidy theory,credit rationing theory,financial suppression theory and imperfect competitive market theory,the reasons for the problems of agricultural support loans are summarized.In view of the existing problems,combined with Guangdong Rural credit itself and the actual situation of Guangdong agriculture and rural areas,put forward corresponding solutions:one is to expand the scale of agricultural loans;Second,optimize the structure of agricultural loans;Third,strengthen financial risk supervision of supporting agriculture;Fourthly,strengthen the construction of talents for agricultural loans;Fifth,improve the efficiency of agricultural loans;Sixth,perfect rural credit system construction.This paper studies on the issue of rural credit cooperatives association of Guangdong Province agriculture loan,can peep at the status quo of all bank overall support agriculture loans and based on the reality of rural farmers and agricultural small and medium-sized enterprises,put forward new development countermeasure of agriculture loan,can bring new financial support for rural financial system in Guangdong Province reference path.It will help the high-quality development of agriculture and rural areas in Guangdong Province,eliminate the imbalance of regional development,reduce the income difference between regions,improve the income of rural farmers,and lay a solid foundation for the realization of common prosperity.