A Case Study On The Operation Mode Of Policy Agricultural Credit Guarantee Company A

Agricultural and rural finance has always been an important issue that plagues China’s economic development.From social stability to sustained economic development,from poverty alleviation to comprehensive realization of rural revitalization,the work of stabilizing and developing agricultural and rural finance is of decisive significance.However,in the actual development process,the "agriculture,rural areas and farmers"business entities often face various financing difficulties.In order to alleviate the financing problems of agricultural enterprises,various provinces have established government-led credit guarantee companies to regulate the agricultural financing market.By linking local governments and cooperative banks,the three parties share risks and solve the difficult and expensive financing problems for agricultural enterprises.This article intends to conduct a comprehensive analysis of the operating model of Hubei Province A policy guarantee company,in-depth study of the operating mechanism of the financing model,and discuss the problems existing in the "political and bank responsibility" guarantee model,with a view to putting forward optimization suggestions for the "three The development of "agricultural" finance has brought useful references.This article employs a variety of techniques,including literature review,case analysis,questionnaire surveys,and other approaches,using Hubei Province A policy guarantee company as a case to deeply analyze the company’s operating mechanism model.First,we will give an overview of the national policy-based agricultural credit guarantee system,and compare and analyze the development status and operating mode of my country’s provincial-level policy-based agricultural credit guarantee companies,so as to fully understand the development and operation status of my country’s policy-based agricultural credit companies.Then take a specific company A as an example to analyze firm A’s development history,operating style,and present status,as well as pertinent project instances,to examine the entire process.In the end,it came to the relevant conclusions.In terms of improving operational efficiency,Company A needs to simplify the three-party approval process and establish a normalized communication platform.In reducing the company’s credit risk,it is necessary to leverage the advantages of the three parties,the government and the bank,and work closely together to form complementary advantages.In terms of expanding business scale,it is necessary to improve product innovation capabilities and adopt reward and punishment incentive mechanisms.