Research On Credit Support For Agricultural Small And Micro Enterprises By X Bank Shanghai Branch

In recent years,China’s economic development has been steadily moving forward,and the post-epidemic economy is also accelerating its recovery,but at the same time we should be deeply aware that the three rural issues have never been effectively solved,which seriously restricts the economic and social development of China’s rural areas and is not conducive to social stability and harmonious development.The development of the three rural areas involves a wide range of issues,including the agricultural environment,social financing,farmers’ professional capacity,etc.This is not simply to solve a certain aspect of the problem can solve the three rural problems,there are many factors affecting the lack of financial support is one of the most important factors.In terms of the development of small and medium-sized enterprises involved in agriculture,the lack of strong credit support will lead to its survival,development and growth are seriously affected.However,in view of the actual situation in China,it is difficult for most MSMEs to obtain financial support,and the imbalance between credit supply and demand is serious,which restricts the development of MSMEs in China.Based on the theoretical basis of credit rationing theory and financing priority theory,and with the help of questionnaire survey,this thesis analyzes the development of credit support for agriculture-related micro and small enterprises in Bank X Shanghai Branch.Based on the survey results,it further analyzes the source of funds,the construction of guarantee system and the operation of Bank XShanghai Branch’s agriculture-related micro and small enterprises:at the same time,it analyzes in detail the problems of credit support for agriculture-related micro and small enterprises in Bank X Shanghai Branch.The problems and reasons of X Bank’s credit support for agriculture-related micro and small enterprises are analyzed in detail,and practical suggestions for X Bank’s credit support for agriculture-related micro and small enterprises are put forward in the context of the current development of Internet finance,taking into account the specific development of X Bank.This thesis finds that:the problems of X Bank’s credit support for agriculture-related micro and small enterprises in the context of rural revitalization mainly include the weak competitiveness of credit products,the approval process to be improved,the unsound guarantee mechanism and the unscientific pricing mechanism.The reasons for these problems are mainly the deficiencies of X Bank’s management mechanism,insufficient innovation ability of financial products,weak financial market environment,and backward credit management methods.In order to better solve the above problems,this thesis proposes countermeasures to improve X Bank’s credit support for agriculture-related micro and small enterprises in the context of rural revitalization in terms of Internet+technology to solve the pain point of information asymmetry,improve the credit support process,innovate agriculture-related credit financing products,and strengthen the risk management of the whole credit process of agriculture-related micro and small enterprises.