G省NF银行粮食信贷业务发展研究

发布时间：2018-04-30 03:14

本文选题：中国农业发展银行 + 政策性银行　；参考：《广西大学》2013年硕士论文

【摘要】：粮食问题关系到国家和一个地区的长治久安,是地区加快经济社会发展的基础之一。G省粮食产业发展比较落后,该省粮食发展十二五规划提出,到2015年把G省粮食产业发展成为500亿元产业,迫切需要农业政策性信贷资金加大投入。中国农业发展银行是我国唯一的农业政策性银行,支持粮食产业发展,确保地区粮食安全和市场供给,是农业发展银行的一项基本职能。G省NF银行作为中国农业政策性银行的分支机构,自1996年设立以来,始终坚持以支农为已任,认真履行好职责,大力支持G省粮食产业发展,取得了巨大的成绩,粮食信贷成为了该行的“主体”业务。但从近年来该行粮食信贷发展情况看,信贷增长速度远低于总体水平,粮食贷款在总贷款的比例逐年下降,与旺盛的市场金融需求不相适应。本文在总结G省NF银行17年粮食信贷发展历程经验的基础上,对该行支持粮食贷款存在的问题进行了分析,主要存在信贷投向单一,总量增长缓慢,准入门槛相对较高,办贷流程较为复杂,风险管理手段滞后等问题。在进一步分析问题原因的基础上,结合当前G省社会背景,结合中央要求和政策性银行职能,本文对农发行进一步发展粮食信贷业务的方式方法进行了系统研究,提出解决问题的建议,并对外部配套措施提出有针对性的意见和建议,努力为G省NF银行粮食信贷业务发展寻找一条可行的办法。
[Abstract]:The grain problem is related to the long-term stability of the country and a region, and is one of the bases for speeding up the economic and social development in the region. By 2015, the grain industry of province G will be developed into 50 billion yuan industry, which urgently needs to increase the investment of agricultural policy credit fund. The Agricultural Development Bank of China is the only agricultural policy bank in China to support the development of the grain industry and ensure regional food security and market supply. It is a basic function of the Agricultural Development Bank. As a branch of the Agricultural Policy Bank of China, since its establishment in 1996, NF Bank of the province of G has always insisted on supporting agriculture as its duty, conscientiously performing its duties, and vigorously supporting the development of grain industry in Province G. Has obtained the huge achievement, the grain credit became the bank's "main body" business. But according to the development of grain credit in recent years, the growth rate of credit is far lower than the overall level, and the proportion of grain loan in the total loan is decreasing year by year, which is not suitable for the exuberant market financial demand. On the basis of summing up the experience of development of grain credit of NF Bank of G province in 17 years, this paper analyzes the problems existing in the grain loan supported by NF Bank of G province. The main problems are that the credit direction is single, the total amount of credit is increasing slowly, and the entry threshold is relatively high. Loan process is more complex, risk management means lag and other problems. On the basis of further analysis of the causes of the problems, combined with the current social background of the province G, combined with the central requirements and the functions of the policy bank, this paper makes a systematic study on the ways and means of further developing the grain credit business of the Agricultural Development Bank of China. This paper puts forward some suggestions to solve the problem, and puts forward some suggestions and suggestions on external supporting measures, and tries to find a feasible method for the development of grain credit business of NF Bank in G province.
【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】：F832.4;F326.11

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