江西省农业发展银行服务“三农”的现状与政策建议

发布时间：2018-09-13 21:50

【摘要】：我国的农业、农村和农民问题,始终是关系我国经济和社会发展全局的重大问题,由于“三农”问题的复杂性和农业的弱质性,解决这样一个事关全局发展的重大问题,需要多系统、多层次的努力。中国农业发展银行作为唯一的农业政策性银行,根据其性质与任务,有义务和责任帮助解决农业、农村和农民等领域存在的有关问题,特别是为解决农村资金失血外流,建立农村资金的回流机制作自己的贡献。为此,本文运用文献检索与阅读、数理统计等研究方法进行分析,对农发行江西省分行的资产质量,贷款结构和服务“三农”能力等方面作了深入的分析,研究结果显示,农发行江西省分行为促进江西省社会经济的全面、可持续发展作出了自己应有贡献。主要表现为：服务“三农”能力进一步增强、粮油棉贷款结构明显优化、服务“三农”可持续力平稳提高、有力地支持了江西省粮食产业化水平和不断开辟特色支农领域和平台。但与巨大的需求仍然存在一些问题,主要表现在：业务结构不太合理、中长期政策性贷款比重太小、对农业产业链渗透不够、中间业务营业收入比还很小等。论文最后根据存在问题,提出农发行要适时调整业务发展战略定位,做到两个“结合”,即“政策性与金融性”结合和“封闭性与开放性”结合,并从三个方面加强服务“三农”的力度与速度,即加大力度支持农村水利建设、稳步推进农业开发性业务和扩大信贷总量,优化信贷结构。
[Abstract]:The problems of agriculture, rural areas and peasants in our country have always been a major issue concerning the overall situation of our economic and social development.Because of the complexity of the "three rural" problems and the weakness of agriculture, the solution to such a major problem which concerns the overall development of the whole country, Need multi-system, multi-level efforts. The Agricultural Development Bank of China, as the only agricultural policy bank, according to its nature and mission, has the duty and responsibility to help solve the problems existing in the fields of agriculture, rural areas and farmers, especially in order to solve the outflow of rural capital. The establishment of rural capital return mechanism to make their own contributions. Therefore, this paper analyzes the asset quality, loan structure and the ability of serving agriculture, rural areas and farmers in Jiangxi Branch of Agricultural Development Bank by using literature retrieval and reading, mathematical statistics and other research methods. The results show that, The Jiangxi Branch of Agricultural Development Bank has made its due contribution to promoting the comprehensive and sustainable development of Jiangxi's society and economy. The main manifestations are: the ability to serve the "three rural areas" has been further enhanced, the loan structure of grain, oil, and cotton has been obviously optimized, and the sustainability of serving the "three rural areas" has been steadily improved. Has supported Jiangxi Province grain industrialization level and unceasingly opens the characteristic support agriculture domain and the platform. However, there are still some problems with the huge demand, such as the unreasonable business structure, the small proportion of medium and long-term policy loans, the insufficient penetration of agricultural industry chain, the small revenue ratio of intermediate business and so on. Finally, according to the existing problems, the paper puts forward that Agricultural Development Bank should adjust the strategic orientation of business development in good time, and achieve two "combination", that is, "policy and finance" combination and "closed and open" combination. And strengthen the strength and speed of serving agriculture, rural areas and farmers from three aspects, that is, strengthen the support of rural water conservancy construction, steadily promote agricultural development business and expand the total amount of credit, optimize the credit structure.
【学位授予单位】：江西农业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F320;F832.31

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