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一、农发行要开辟新的资金来源渠道:(一)、把人行负债的邮政储蓄在农村吸收的部分资金划归农发行使用。这是一部分比较稳定的资金来源,取之于农村,用之于农村,是合情合理的。(二)、把现行农行负债的农村信用社存款划归农发行使用,并将农村信用社移交给农发行管理。这是因为,农行改革转化为国有商业银行后,不便再继续领导管理农村信用社。将农村信用社划归农发行管理,不仅可以壮大农发行资金来源,还可减轻人行对政策性贷款的资金供应压力。(三)、开辟区域性筹资渠道。根据区域经济发展的实际情况,为满足地方政府开发本地区资源、扶持某些优质农业发展的需要,可以在中央银行的指导和监管下,加强行政号召,运用信用方式,在本区内定向筹集资金,投入指定的产业项目。(四)、争取更多的国际金融机构开发性贷款。世界银行、亚洲开发银行等国际金融机构都向发展中国家提供开发性贷款业务,这种贷款期限长,利率低。农发行应根据我国经济发展实际,抓住时机,力争得到国际金融机构的贷款支持,促进我国农业
First, the ADBC will need to open up new channels for funding sources: (1) part of the funds absorbed by postal savings in the rural areas that are pledged by the PBOC will be allocated to the ADBC for use. This is a relatively stable part of the source of funding. It is reasonable that we take it from the rural areas and from rural areas. (B) of the existing rural credit debt of rural credit cooperatives placed under the Agricultural Development Bank, and the rural credit cooperatives handed over to the Agricultural Bank of management. This is because after the reform of the Agricultural Bank of China into a state-owned commercial bank, it is inconvenient to continue to lead and manage rural credit cooperatives. The rural credit cooperatives under the management of agricultural development will not only strengthen the sources of funding for the Agricultural Development Bank, but also reduce the pressure on the policy of bank loans. (C), open up regional financing channels. According to the actual situation of regional economic development, in order to meet the local government’s need to develop resources in the region and support the development of certain high-quality agriculture, we can strengthen the administrative call and use credit methods to guide the local government to raise funds under the guidance and supervision of the Central Bank Funds, put into designated industrial projects. (D), strive for more international financial institutions development loans. International financial institutions such as the World Bank and the Asian Development Bank all offer developing loans to developing countries, with long term loans and low interest rates. The Agricultural Development Bank should seize the opportunity according to the reality of China’s economic development and strive to obtain the loan support from the international financial institutions to promote agriculture in China