Research On The Influencing Factors Of Agricultural Development Bank Of China’s Q County Branch To The Credit Support Of Small And Micro Agriculture-related Enterprises

The process of agricultural modernization in China cannot be separated from the development and growth of a large number of small and micro agricultural enterprises.At the same time,due to their large number and wide distribution,they play an irreplaceable role in creating taxes,stabilizing employment,and promoting the basic development of agriculture,rural areas,and farmers.However,due to the inherent operational characteristics of weak agricultural quality and high risk of small and micro enterprises,coupled with the typical characteristics of "short,small,frequent,and urgent" financing needs,namely short fund usage cycle,small fund demand,high frequency of use,and strong timeliness of fund demand,they often face practical problems such as insufficient collateral,high financing threshold,and mismatched financing terms in the financing process,Therefore,sufficient and appropriate credit support is needed to help enterprises develop.The Agricultural Development Bank of China(hereinafter referred to as the Agricultural Development Bank of China),as the only agricultural policy bank in China,bears important responsibilities such as ensuring national food security and serving rural revitalization.Market demand and its own functional positioning require the Agricultural Development Bank to take on the responsibility of supporting the development of small and micro agricultural enterprises.This article systematically discusses the environment and characteristics of financing for agricultural small and micro enterprises,and analyzes the credit support provided by Q County Agricultural Development Bank to local agricultural small and micro enterprises as a case study.Through case analysis,it was found that the Agricultural Development Bank of Q County provided strong credit support for the development of local agricultural small and micro enterprises,especially during the three-year epidemic period,by providing necessary credit support for agricultural small and micro enterprises through policies such as credit extension,interest rate incentives,and fee reduction and profit sharing.The various business indicators of the enterprise have either improved or withstood the impact of the epidemic,without a significant decline,which has won space for the survival and development of the enterprise.However,there are also problems such as insufficient business scale and scope,declining interest rate advantages year by year,insufficient internal support motivation,and low satisfaction with corporate credit needs.These problems are due to the Agricultural Development Bank of China’s own reasons,such as increasing pressure on business performance evaluation,low efficiency in handling loans,and cumbersome business processes;There are also internal reasons within the enterprise,such as weak risk resistance and product competitiveness,and a lack of entrepreneurial spirit among entrepreneurs;It also includes reasons for the external financing environment of the enterprise,such as poor business environment,inadequate credit and guarantee systems,etc.Based on the research results,this article proposes that enterprises should improve their independent innovation capabilities,strengthen business management,and maintain good credit;The Agricultural Development Bank of China should optimize its performance evaluation system,clarify the rights and responsibilities of all levels of banks,and improve the risk management mechanism for small and micro agricultural enterprises;The government should optimize the business environment,increase assistance to enterprises,encourage independent innovation of enterprises,strengthen industrial agglomeration,and propose countermeasures and suggestions for the construction of agricultural guarantee systems.