包商银行对公农业金融业务存在的问题及对策研究

发布时间：2018-10-12 11:25

【摘要】：近几年,中央一号文件都是如何加快农业发展,鼓励金融机构加大对农业金融投放,虽然取得了一些成绩。四大国有商业银行占据全国银行业占据全国70%信贷资源,但实际每年投向农业的资金只占总体资金投放量的约5%。其他金融机构对农业的金融投放也没有达到预期的效果。本文侧重于对包商银行对公金融服务实际工作出发,以包商银行对公金融服务中出现的问题,找出存在问题的具体原因,并提出解决问题的具体对策。希望本研究对包商银行对公农业金融服务的实际工作起到积极指导和借鉴作用。也希望为其他同业机构提供一些可供参考的建议。本文阐述预期收入理论在商业银行的指导作用,并通过分析包商银行资金成.本高的具体问题得出授信期限不合理的深层次原因。在阐述创新对公农业金融产品对策中对存款类产品创新,介绍资产负债理论中的存款理论结合包商银行自身特点在实际工作中的运用。本文多次使用包商银行具体业务的案例进行案例分析,介绍包商银行对公金融业务中的问题及对存在问题的原因进行深刻分析。通过本文研究得出如下结论:1.包商银行在两年对公金融业务中取得一定的成绩。2.虽然有了一些成绩,但对公农业金融业务中也存在一些问题。如风险审批通过率低、授信期限不合理、金融产品单一、抵质押担保方式守旧、农村信用担保和农业保险问题、人行对金融机构的监管制约农业金融业务发展和农业金融生态圈缺乏统一领导。3.面对存在的问题,分析产生问题的内部和外部的原因,.在借鉴国内外金融机构的经验基础上,从提高包商银行内部农业金融服务效果、包商银行外部农业金融服务手段的完善两个大方面,提出促进包商对公农业金融业务的对策。
[Abstract]:In recent years, the No. 1 document of the Central Committee has been devoted to how to speed up agricultural development and encourage financial institutions to increase investment in agricultural finance, although some achievements have been made. The four state-owned commercial banks account for 70% of the country's credit resources, but the annual investment in agriculture accounts for only about 5% of the total amount of funds invested. Other financial institutions in agriculture financial investment did not achieve the desired results. This paper focuses on the actual work of the contractor bank on the public financial service, in order to find out the concrete reasons of the problems, and put forward the concrete countermeasures to solve the problem in the light of the problems that the contractor bank has appeared in the public financial service. It is hoped that this study can be used as a positive guide and reference for the contractor bank in the practical work of public agricultural financial services. I also hope to provide some suggestions for other industry organizations. This paper expounds the guiding role of expected income theory in commercial banks, and analyzes the financing of contractor banks. This high specific problem leads to the deep reason of unreasonable credit period. This paper expounds the innovation of deposit products in the countermeasures of innovation to public agricultural financial products, and introduces the application of deposit theory in the theory of assets and liabilities combined with the characteristics of the contractor banks in the practical work. In this paper, the case study of the specific business of the contractor's bank is carried out many times, and the problems in the public financial business of the contractor's bank and the causes of the problems are analyzed deeply. The conclusions are as follows: 1. The contractor's bank has achieved some success in two years of public finance. Although there are some achievements, but there are some problems in the public agricultural finance business. Such as low pass rate of risk examination and approval, unreasonable credit period, single financial products, old-fashioned methods of collateral guarantee, rural credit guarantee and agricultural insurance, PBC's supervision of financial institutions restricts the development of agricultural finance business and the lack of unified leadership in the agro-financial ecosystem. In the face of existing problems, analyze the internal and external causes of the problems. Based on the experience of domestic and foreign financial institutions, this paper puts forward the countermeasures to promote the contractor's agricultural finance business from two aspects: improving the effect of the internal agricultural financial service of the contractor bank and perfecting the external agricultural financial service means of the contractor bank.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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