浅议提高农业银行信贷资产质量的途径

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一、支持农业产业化经营是提高信贷资产质量的途径之一。(1)支持农业产业化经营要以经济效益为前提。在选择农业产业化项目时要结合本地区的地理环境、自然条件。支持的项目要具备科技含量高、市场前景广、在本地区有较强的区位优势(具有一定的规模或逐步能形成较大规模)、贸工农一体化,推行企业集团化管理的项目优先发展,使之成为本地区的龙头企业或骨干企业,带动本地区经济的全面发展。以农业为主的姚安来说,农业总产值占全县总产值的85%,而种值业收入占53%,主要经济来源靠粮食、烤烟,而财政收入的60%至65%来源于烤烟,农行的贷款主要是农药、化肥、地膜、烤烟。烟叶收购资金占 First, supporting agricultural industrialization is one of the ways to improve the quality of credit assets. (1) To support the industrialization of agriculture to the premise of economic efficiency. In the choice of agricultural industrialization projects to combine the geographical environment of the region, the natural conditions. The projects supported should have the advantages of high technology content, broad market prospects, strong geographical advantages in the region (with a certain scale or gradually forming a larger scale), the integration of trade, industry and agriculture, and the priority of the project management of enterprise group management , Making it the leading enterprise or backbone enterprise in the region and driving the overall economic development in the region. Agricultural-based YaoAn, agricultural output value accounted for 85% of the county’s total output value, while the value of industry accounted for 53% of income, the main source of income by food, flue-cured tobacco, and 60% to 65% of fiscal revenue from tobacco Agricultural Bank of China’s loans are mainly pesticides, fertilizers, plastic film, tobacco. Tobacco acquisition funds accounted for
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