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历史沿革和现实处境决定农业银行必须认真研究农村信贷工作,主要是指县及县以下的信贷业务。鉴于过去的教训,农行普遍认为农村信贷预期风险远远超出预期收益,因而近年来一直实行农村信贷紧缩策略,包括上收权限、明确投向、确定低险品种等等。农村信贷从紧并非长期战略,而是短期的矫正策略,本课题的重点就是如何通过调整措施,走出农村信贷必然死亡的宿命。一、当前农村信贷市场的变化和农
Historical evolution and current situation determine that ABC must seriously study rural credit work, mainly referring to the credit business at county level and below. Given the lessons of the past, ABC generally considered that the expected risk of rural credit far exceeded its expected return. Therefore, the rural credit crunch has been implemented for a long time in recent years, including the power to accept income, clarifying its direction, identifying low-risk products and so on. Rural credit is not a long-term strategy, but a short-term corrective strategy. The emphasis of this issue is how to get rid of the inevitable death of rural credit through adjustment measures. First, the current changes in the rural credit market and agriculture