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困境一:政策相冲突,使信贷服务处于两难境地.政策上要求农行既要承担支农重任,又要搞企业化经营.一边需要优惠农行得牺牲代价;一边考核盈利指标,搞利润最大化.支农任务搞不好,政府面子过不去.不按市场经营,亏损又不好交帐,这是其一.其二,农业投资大多具有期限长、投资多、风险大、效益低,而信贷原则立足对象周期短、投资少、风险低、收益高.其三,既要支持农业,又要自筹.农业需求与投入反差大,投资主体的农民受利益趋动不愿投入.集体积累少,加之农业资金的跑、冒、滴、漏“失血”严重,因而自筹几乎为零.其四,信贷资金支持的农业综合开发,科技兴农,规模经营缺乏承贷主体,加之农户经营又分散,投资环境限制了信贷的投入.
Predicament 1: policy conflicts, the credit service is in a dilemma.Policy requires that both ABC should undertake the task of supporting agriculture, but also engaged in enterprise management.On the need to discount the cost of Agricultural Bank of China sacrifice; while assessing profit targets, maximize profit. Second, investment in agriculture has a long period of time, investment, risk, low efficiency, and the principle of credit Third, not only to support agriculture, but also self-raised .Agricultural demand and investment contrast, the main investors of the investment by the unwillingness to invest in the interest.Group accumulation less, less investment, low risk, Fourthly, the comprehensive development of agriculture supported by credit funds, the revitalization of agriculture by science and technology, the lack of main bodies for scale operation and the diversification of peasant household management , The investment environment limits the credit input.