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农发行组建以后,担负起办理政策性农业开发信贷的责任,其范畴包括:农业综合开发贷款、中央扶贫贷款、林业贴息贷款、治沙贴息贷款、农田水利基础设施贷款和农业水利技改贷款等,业务划转时已有可观存量,近两年又有较大幅度增长。总的来看,农业开发信贷自开办以来,确实对农村经济的发展发挥了较大作用。但效益并不理想。我认为农业开发信贷效益不高主要是由于以下几个方面的原因造成的:一是资金使用分散,难以发挥规模效益。过去,农业开发信贷一直由农行办理,虽然已经陆续开办多年,但由于其性质不十分明确,管理办法与一般农贷无多大差异,因此基本上是混同于一般农贷对待。同时,又由于其具有一般农贷所没
After the establishment of ADBC, it has the responsibility to handle credit for policy-based agricultural development. Its scope includes: Comprehensive Agricultural Development Loan, Central Poverty Alleviation Loan, Forestry Discount Interest Loan, Sand Discount Discounting, Farmland Water Conservancy Infrastructure Loan and Agricultural Water Conservancy Technical Reform Loans, etc. At the time of business transfer, there was already a considerable amount of stock in hand and a relatively large increase in the past two years. In general, agricultural development credit has indeed played a greater role in the development of rural economy since its inception. But the benefits are not ideal. I think the low efficiency of credit for agricultural development is mainly due to the following reasons: First, the decentralized use of funds makes it difficult to exert economies of scale. In the past, agricultural development credit has been handled by the Agricultural Bank of China. Although it has been established for many years in succession, because of its nature is not very clear, management methods and general agricultural loans are not much different, so basically is mixed with the general agricultural loans treated. At the same time, because of its general agricultural loans did not