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一、引言调整信贷结构是个老生常谈的话题,农业银行由国有专业银行向商业银行转轨以来,“调整信贷结构”几乎成了广大农行人的“口头禅”。近几年来,许多基层银行都进行了探索,并取得了一定收效。如恩施州农业银行推行培植优势产业和龙头产业,大力支持非公有制经济发展,实施小额信贷服务,推行“公司+基地+农户”产业模式,支持骨干企业和重点项目上规模、上水平、上效益等一系列举措,盘活了一些不良贷款,培植了新的效益增长点,实现了银企双赢。2001年末,全行不良贷款的占比比1998年下降了16个百分点。常规业务实现了赢利,步入了良性发展轨道。但也必须清醒地看到:一方面在整个信贷业务中,不良贷款和专项业务占比依然较高,尤其是国务院已出台专项业务不良资产不再剥离的政策,农业银行依然面临艰难的生存境地。恩施
I. Introduction Adjusting the credit structure is a common topic. Since the transition from a state-owned commercial bank to a commercial bank, the “adjustment of credit structure” has almost become the “mantra” of broad peasants. In recent years, many grassroots banks have conducted explorations and achieved some success. For example, Enshi Prefecture Agricultural Bank promoted the development of leading industries and leading industries, supported the development of non-public sectors of economy, implemented microcredit services, and implemented the “company + base + farmers” industry model to support key enterprises in scale and key projects , A series of measures such as efficiency, revitalize a number of non-performing loans, fostered a new point of growth of efficiency, to achieve a win-win situation between banks and enterprises. At the end of 2001, the proportion of non-performing loans of the whole bank dropped by 16 percentage points over 1998. Routine business profit, entered a virtuous development track. However, we must also be soberly aware that on the one hand, non-performing loans and special services still account for a large portion of the entire credit business. In particular, the State Council has promulgated a policy that non-performing assets in special businesses will no longer be divestied. Agricultural Bank of China still faces a difficult situation . Enshi