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信贷运作是一个投入——归流——再投入——再归流的循环往复过程。在这一过程当中,不是单一的某种机制在起作用,而是在一个机制系统的作用下,促使信贷运作良性循环。为此,应建立起内外结合,上下贯通,左右相联,高度耦合的立体型政策性信贷运作机制系统。这个机制系统由以下四种机制构成。一、科学的政策导向机制。这一机制主要是保证信贷投入的合法性与合理性。包括四个层次的内容。一是法规性。即信贷投入必须符合国家的金融政策和法规,从信贷项目选择开始,就把信贷管理纳入依法管理的轨道。二是政策性。即贷款项目必须符合国家产业政策,要按产业发展要求,不断调整信贷结构,有保有控地实施信贷倾斜政策,促进产业结构调整,扶持农业和农村经济健康、协调发展。三是条件性。一方面,贷款项目必须属于农发行业务范围,并只在农发行开户;另一方面,贷款项目的原料、市场、技术、
Credit operations are a cycle of input-return-reinvest-return. In this process, not a single mechanism works, but a benign circulation of credit operations under the influence of a system of mechanisms. To this end, we should establish a three-dimensional system of policy-based credit operation that integrates internal and external links, links up and down, connects to each other, and is highly connected. This mechanism system consists of the following four mechanisms. First, the scientific policy-oriented mechanism. This mechanism is mainly to ensure the legitimacy and rationality of credit inputs. Includes four levels of content. First, the law. That is, credit input must conform to the state’s financial policies and regulations. From the beginning of credit project selection, credit management should be incorporated into the management of the law. Second, policy. That is, the loan projects must conform to the national industrial policies, adjust the credit structure according to the requirements of industrial development, carry out credit lending policies in a controlled manner, promote the adjustment of industrial structure, and support the healthy and coordinated development of agriculture and rural economy. Third, conditional. On the one hand, the loan project must belong to the scope of agricultural development business, and only in the Agricultural Development Bank to open an account; the other hand, the loan project materials, markets, technology,