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农行是为农业提供信贷服务的金融主体,加大信贷支农力度,增加对农业的信贷投入,不仅有利于国民经济基础地位的巩固,提高信贷资产经营的社会效益,也有利于提高农行自身的经营效益,实现信贷资金的良性循环。但是,农行向商行转换后信贷支农仍存在若干困难和问题。 1.农村资金向非农业流动日益严重,农行信贷资金来源萎缩,制约了农村经济信贷投入的增加。目前在农村,由农行、信用社经营农村金融业务的一统天下被打破,邮电部门已将储蓄代办同点伸向了大部分行政村。邮政储蓄吸收的资金上交当地人民银行,建
ABC is the financial body that provides credit services for agriculture. Increasing credit support for agriculture and increasing credit for agriculture are not only conducive to consolidating the foundation of the national economy, improving the social benefits of credit asset management, but also improving the performance of ABC itself Operating efficiency, to achieve a virtuous circle of credit funds. However, there are still some difficulties and problems in credit support after the conversion of ABC to commercial banks. 1. Rural capital flows to non-agricultural sectors have become more and more serious. The source of ABC’s credit funds has shrunk, which has restricted the increase in rural economic credit. Currently in the countryside, the unification of rural financial services operated by ABC and credit unions is broken, and the post and telecommunications departments have extended their savings agencies to most administrative villages. Postal savings to absorb the funds submitted to the local People’s Bank, built