Research On The Problems And Countermeasures Of Agricultural Loan Management In Foshan Agricultural Commercial Bank

After rural revitalization,the issue of“Agriculture,countryside and farmers” has been paid more and more attention,the rural economy will be further developed,and the demand for finance in rural areas will be more vigorous.Foshan is one of the nine cities in the Pearl River Delta(PRD)in the Guangdong-Hong Kong-Macao Bay Area.It is located on the western shore of the Pearl River.Among them,the Gaoming district in Foshan City and the towns and villages in Sanshui District are mainly devoted to the development of agriculture.Therefore,it is particularly important to study Foshan’s agricultural and financial policies.Foshan agri-commercial bank network throughout the towns and villages of Foshan.The management level of agricultural loan of Foshan Rural Commercial Bank has a direct impact on the development of township economy and the supply of rural finance.In the process of making agriculture bigger and stronger,extending the industrial chain and upgrading the supply chain,Agricultural Commercial Bank has been playing an exemplary role in promoting the value chain,as a call for the corresponding country’s rural revitalization.In order to better serve the rural economy and the people of Foshan,and to enhance the sustainable operation ability of the agricultural commercial bank of Foshan,some problems existing in the agricultural loan of Foshan Agricultural Commercial Bank need to be solved urgently.Based on the relevant research on rural finance and agricultural loans,this paper applies the theories of agricultural credit subsidy,rural financial market,imperfect competitive market,Information asymmetry theory,risk management theory.Combined with case analysis,qualitative and quantitative analysis,on-the-spot investigation and so on,combining theory with practice,through on-the-spot investigation to understand the development status of agricultural loans in Foshan Agricultural and commercial bank.At the same time,with Foshan Rural Commercial Bank agricultural loan-related credit officer exchange interviews,questionnaire survey of rural households and rural enterprises agricultural loan needs.This paper first points out the problems of the management before,during and after the agricultural loan of Foshan Agricultural Commercial Bank.The problems of pre-loan management include the lack of due diligence in pre-loan investigation,the overall supply of agricultural loans,the unreasonable access management of individual comprehensive loans,the high pricing of loan interest rate...The problems in loan management include imperfect credit rating system,multi-management cross-management,low efficiency of examination and approval...The problems of post-loan management include that the post-loan management is a mere formality,the failure of effective early warning and risk-sharing,and the high rate of non-performing loans at the time of merger.By analyzing the cause of the problem,it can be found that the main factors are inertia thinking of pre-loan investigators,lack of independence,lack of loan market research,controlling risk,compensating risk,system needs to run-in when merging,the level of organization and management needs to be improved,the post-loan managers have a weak sense of responsibility,the risk early warning and sharing mechanism is not perfect,the credit talent team is not optimized.Finally,this paper puts forward some countermeasures and suggestions,such as breaking the inertia of pre-loan investigation,maintaining independence,optimizing the market research and management of agricultural loans,marketizing the interest rate of agricultural loans,perfecting the management system of agricultural loans,strengthening the responsibility consciousness of post-loan managers,enlarging and strengthening agricultural loans,and improving the quality of credit service personnel.The study of this paper starts with the whole process of pre-loan management,inloan management and post-loan management,and proves it by using the nonperforming loan cases that I have audited,can deeply analyze the reason of the agricultural loan management problem,and can solve the problem pertinently.The research is more rigorous,the research conclusion is more scientific and reasonable.It can provide some reference for the management of agricultural loan of Foshan Rural Commercial Bank.This research is helpful to improve the management level of agricultural loan of Foshan Rural Commercial Bank,promote the healthy development of agricultural loan,develop the rural economy of Foshan and meet the rural financial needs.It will contribute to the Kalanchoe pinnata of the national rural revitalization strategy in Foshan and further promote the coordinated development of the GuangdongHong Kong-Macao Bay Area.