中国农业发展银行吉林市分行信贷资产质量提升研究

发布时间：2018-01-04 04:30

本文关键词：中国农业发展银行吉林市分行信贷资产质量提升研究　出处：《吉林大学》2013年硕士论文　论文类型：学位论文

【摘要】：农业在我国的国民经济体系中所占的比重较大，是我国的基础性产业。而且，“三农”问题历来都是我国非常关注的重大问题。由于农业生产对于自然条件的依赖性较大，因此其生产经营存在一定的弱质性，而且农业的生产周期相对较长，农业投资相对而言收益较低且风险较大，因此，一般性的商业金融机构不愿意将资金投放到农业生产领域中来，农业生产中的资金缺口就必然需要由政策性金融填补。中国农业发展银行是我国唯一的农业政策性金融机构，在我国农业开发和农村经济发展、粮棉油等大宗农产品流通以及社会主义新农村建设等涉农领域，起到了巨大的扶持和引导作用。农业发展银行为我国唯一的农业的政策性金融机构，随着我国市场经济改革的深化以及农业发展银行自身业务的不断调整，农业发展银行的业务范围已经由单纯的政策性信贷业务向包括商业信贷业务在内的综合性业务转变。在此背景下，有效管理信贷风险、提升信贷资产质量是农业发展银行未来发展必须面对的问题。吉林市所处的东北地区是我国商品量的主要产区，农业是全市国民经济的基础性产业。但是，改革开放后吉林市的整体经济发展相对滞后于沿海发达地区，，受地方整体经济发展水平的限制，全市的农业和农村信贷资金严重短缺，这也成为全市农业发展和农民增收的主要制约因素。受农业本身性质和地区经济环境的影响，商业性金融机构对吉林市农业和农村经济的支持相对缺失，尤其是在农村基础设施建设、农业生产基地开发、生态环境治理、农业水土保持等方面，商业性金融机构投资意愿很小，因此需要吉林市农业发展银行的政策性金融支持。1996年6月，吉林市农业发展银行正式成立，其最初的业务范围仅仅是单纯的“涉粮”，经过几十年的发展其业务范围开始全面的“涉农”，并逐步拓展商业性的中间性业务。随着吉林市农发行支农作用的明显增强以及业务范围的不断扩张，信贷业务中存在的一些问题也在逐渐暴露出来，尤其是其所面临的信贷风险开始增加。因此，提升信贷资产质量、实现政策性与商业性信贷业务健康发展，是吉林市农发行面临的重要课题。本文梳理了吉林市农业发展银行成立的背景、发展的历程、主要的业务范围以及对吉林市农业发展的支持作用，通过不良贷款规模和不良率分析吉林市农发行信贷资产质量现状、信贷资产质量存在的问题以及产生问题的内部和外部原因，最后对吉林市农业发展银行信贷资产质量管理的方案进行了合理的设计并提出了实施的具体改进措施。
[Abstract]:Agriculture occupies a large proportion in the national economic system of our country, and it is the basic industry of our country. The issue of "agriculture, countryside and farmers" has always been a major issue of great concern in our country. Due to the dependence of agricultural production on natural conditions, there is a certain degree of weakness in the production and management of agricultural production. And the agricultural production cycle is relatively long, agricultural investment relatively low returns and higher risk, therefore, the general commercial financial institutions are not willing to invest funds in the field of agricultural production. The fund gap in agricultural production must be filled by policy-oriented finance. The Agricultural Development Bank of China is the only agricultural policy-oriented financial institution in China. The circulation of large agricultural products, such as grain, cotton and oil, and the construction of a new socialist countryside have played a huge role in supporting and guiding the agricultural sector. The Agricultural Development Bank is the only agricultural policy financial institution in China. With the deepening of China's market economy reform and the continuous adjustment of agricultural development bank's own business. The business scope of Agricultural Development Bank has changed from pure policy credit business to comprehensive business including commercial credit business. In this context, credit risk is effectively managed. Improving the quality of credit assets is a problem that the Agricultural Development Bank must face in the future. The northeast region of Jilin City is the main commodity production area in China, and agriculture is the basic industry of the national economy of the whole city. However, the overall economic development of Jilin City lags behind the developed coastal areas after the reform and opening up. Limited by the overall level of local economic development, the city's agricultural and rural credit funds are seriously short. Due to the nature of agriculture and the regional economic environment, the support of commercial financial institutions to Jilin's agriculture and rural economy is relatively lacking. Especially in rural infrastructure construction, agricultural production base development, ecological environment management, agricultural soil and water conservation, commercial financial institutions have little desire to invest. In June 1996, Jilin City Agricultural Development Bank was formally established, its initial business scope is only a simple "grain related". After decades of development, the scope of its business began to comprehensive "agriculture-related", and gradually expand the commercial intermediate business. With the obvious enhancement of agricultural support role of Jilin City Agricultural Development Bank and the continuous expansion of the scope of business. Some problems in credit business are also gradually exposed, especially the credit risk is increasing. Therefore, to improve the quality of credit assets, realize the healthy development of policy and commercial credit business. Jilin City Agricultural Development Bank is facing an important subject. This paper combs the background of the establishment of Jilin City Agricultural Development Bank, the course of development, the main business scope and the role of supporting the agricultural development of Jilin City. Through the non-performing loan scale and the bad rate analysis Jilin City Agricultural Development Bank credit asset quality present situation, the credit asset quality existence question and produces the question internal and the external reason. Finally, the scheme of credit asset quality management of Jilin Agricultural Development Bank is designed reasonably and the concrete improvement measures are put forward.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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