N银行广西分行支农贷款业务发展问题研究

发布时间：2018-03-06 04:35

本文选题：农业政策性金融　切入点：支农贷款业务　出处：《广西大学》2013年硕士论文　论文类型：学位论文

【摘要】：我国的“三农”问题是始终关系着我国新农村建设的重大问题。由于“三农”问题的复杂性和农业的弱质性,国家要求N银行强化农业政策性金融机构支农职能,持续加大支农力度,为促进工业化、信息化、城镇化、农业现代化的同步发展而发挥应有的作用。目前,N银行广西分行作为广西唯一的一家农业政策性银行,自成立以来一直贯彻国家农业产业政策,为保证广西粮食安全、增加农民收入、促进广西经济发展做出了重要贡献。随着农村金融体系改革的不断深化和新农村建设的推行,N银行广西分行的支农业务范围不断拓展,如何解决支农贷款业务发展中存在的问题,更好的发挥支农职能,是摆在N银行广西分行面前的一个重要课题。本文首先总结了农业政策性金融基本理论,阐述了政策性金融的职能、特征和内涵,分析了N银行广西分行支农贷款业务的现状,从业务规模、结构和效益等方面分析了N银行广西分行支农贷款业务中存在的问题及原因,借鉴国外政策性金融支农业务的发展经验,提出了改善资金需求供给、创新信贷品种、提高金融服务、审慎发展商业性业务、加强风险管理等对策建议,以促进N银行广西分行进一步发挥支农职能,实现可持续发展。
[Abstract]:The problem of "agriculture, countryside and farmers" in our country is always a major problem in the construction of new countryside of our country. Because of the complexity of the problem of "agriculture, rural areas and farmers" and the weakness of agriculture, the state requires N bank to strengthen the function of supporting agriculture by agricultural policy-oriented financial institutions. To promote the development of industrialization, information, urbanization and agricultural modernization, we should continue to increase the efforts to support agriculture. At present, as the only agricultural policy bank in Guangxi, the Guangxi Branch of the Bank of Guangxi has been carrying out the national agricultural industry policy since its establishment. In order to ensure the food security of Guangxi and increase the income of farmers, With the deepening of the reform of the rural financial system and the implementation of the new rural construction, the scope of the agricultural support business of the Guangxi Branch of the Bank of China has been continuously expanded. How to solve the problems existing in the development of supporting agriculture loan business and give full play to the function of supporting agriculture is an important subject in front of the Guangxi Branch of N Bank. This paper first summarizes the basic theory of agricultural policy finance, expounds the functions, characteristics and connotation of policy finance, analyzes the present situation of the loan business in Guangxi Branch of N Bank, from the view of business scale. In terms of structure and benefit, this paper analyzes the existing problems and reasons in the agricultural loan business of N Bank Guangxi Branch, draws lessons from the development experience of foreign policy finance supporting agriculture business, and proposes to improve the capital demand and supply, and to innovate the credit variety. In order to improve the financial service, develop the commercial business prudently and strengthen the risk management, the Guangxi Branch of N Bank can further exert its function of supporting agriculture and realize the 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

【相似文献】