N银行广西区分行农村基础设施建设信贷业务问题研究

发布时间：2018-06-17 18:18

本文选题：农村基础设施建设 + 业务问题　；参考：《广西大学》2013年硕士论文

【摘要】：2007年,中国银行业监督管理委员会批准N银行广西壮族自治区分行开办农村基础设施建设贷款项目。2012年年末,N银行区分行客户三部条线累计投放支持农村基础设施建设贷款余额333.7亿元,占全行贷款总量的58.4%。其中支持收储农村土地1.6万亩,置换出建设用地面积2030亩,整治村庄36个,土地出让金返还和土地整治收益36亿元,取得显著支农成效。农村基础设施建设对促进农业生产,提高农民生活水平,实现农民增收有着重要的作用。近些年农村基础设施建设资金投入与资金需求比较,缺口明显,由于政府财政资金有限且商业性金融机构趋利的经营理念使其较少能介入农村基础设施建设领域,因此N银行的农村基础设施建设信贷业务则显得尤为重要。本文运用农业政策性金融基础理论,阐述了政策性金融的职能,特征和内涵,进而分析N银行的职能定位,业务特征。同时阐述了N银行广西区分行开展农村基础设施建设业务的历程和现状,从承贷主体资格方面,贷款担保方面,办贷流程方面,贷后管理方面阐述N银行农村基础设施建设贷款存在的问题,并从政策制度方面,办贷机制方面,承贷主体自身方面分析存在问题的原因,提出以下对策建议：进行重组改造,调整定位；加强政策性银行立法和金融监管；进行市场化筹资,拓宽资金来源；引入政策性担保,完善风险补偿机制；深化内部改革,优化办贷流程；增强贷后管理,提高支农成效。使N银行广西区分行既能执行其政策性银行的职能也能更好地促进自身的可持续发展。
[Abstract]:In 2007 , China Banking Regulatory Commission approved the establishment of rural infrastructure construction loan project by N Bank Guangxi Zhuang Autonomous Region Branch . At the end of 2012 , N Bank made a distinction between the total amount of rural infrastructure construction loans by RMB 333 . 7 billion yuan , accounting for 58.4 % of the total loan amount . In recent years , the rural infrastructure construction has played an important role in promoting agricultural production , improving the living standards of farmers , and realizing farmers ' income increase . In recent years , the construction of rural infrastructure has made it less accessible to the construction of rural infrastructure . Therefore , the construction of rural infrastructure in N banks is particularly important .

Based on the basic theory of agricultural policy finance , this paper expounds the functions , characteristics and connotation of the policy finance , and then analyses the function orientation and business characteristics of the N Bank . At the same time , the paper expounds the problems existing in the construction of rural infrastructure construction of N Bank from the aspects of the qualification of the loan principal , the aspect of the loan guarantee , the credit process and the post - credit management , and puts forward the following countermeasures :
Strengthening the legislative and financial supervision of policy banks ;
Make market - oriented fund - raising and widen the source of funds ;
Introduce the policy guarantee and perfect the risk compensation mechanism ;
Deepening the internal reform and optimizing the loan process ;
To strengthen the post - loan management and improve the effectiveness of the agriculture , the Bank of China ' s Guangxi Branch can carry out the functions of its policy bank and promote its sustainable development .
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.43;F323.3

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