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信贷资金是银行信贷活动的第一要素,因此,如何建立信贷资金的运行机制是任何银行不可回避的课题。信贷资金运行机制所要解决的无非是两方面的问题,一是如何保证正常信贷活动所需资金的及时足额供应,即供给的保障性问题;二是如何保证信贷资金的有效合理运用,即使用的效益性问题。农发行信贷资金来源与信贷业务对象有着不同于其他银行的特殊性,因此,在信贷资金供应与管理方面也有其显著的特点。一、信贷资金运行的基本目标农发行信贷资金运行管理的基本目标是实现信贷资金“封闭运行”。从信贷资金运动的全过程来看,要实现这一目标必须实现两个环节上的封闭:一是与贷户往来的信贷活动过
Credit funds are the first element of bank credit activities. Therefore, how to establish the operating mechanism of credit funds is an unavoidable issue for any bank. First, how to guarantee the timely and full supply of funds needed for normal credit activities, that is, the guarantee of supply; second, how to ensure the effective and rational use of credit funds, that is, to use Benefit problem. The sources of credit financing and credit business objects of Agricultural Development Bank are different from those of other banks. Therefore, there are also notable features in the supply and management of credit funds. First, the basic objectives of the operation of credit funds Agricultural Bank of credit capital operation and management of the basic goal is to achieve credit funds “closed operation ”. From the whole process of credit funds movement, to achieve this goal must be achieved in two aspects of the closure: First, credit activities with the lenders