【摘要】：“三農(nóng)”向好,全局主動,解決好“三農(nóng)”問題一直是治國安邦的重中之重。中國農(nóng)業(yè)銀行作為國有的大型商業(yè)銀行,一直無愧“農(nóng)”姓,致力于為農(nóng)村農(nóng)業(yè)發(fā)展提供金融服務(wù)。近幾年來,L省農(nóng)村經(jīng)濟發(fā)展迅速,這與農(nóng)行L省分行大力推進服務(wù)“三農(nóng)”工作開展密不可分,其“三農(nóng)”服務(wù)工作具有代表性和研究意義。本文采用數(shù)據(jù)分析與實證分析相結(jié)合的科學(xué)方法,以市場失靈理論、制度變遷理論、交易費用理論和信息不對稱理論等為理論基礎(chǔ),通過對農(nóng)行L省分行服務(wù)“三農(nóng)”工作的現(xiàn)狀進行研究,找出“三農(nóng)”工作中存在的問題并分析原因,旨在為改進農(nóng)行L省分行服務(wù)“三農(nóng)”工作提供參考建議。文章首先簡述了農(nóng)行L省分行服務(wù)“三農(nóng)”工作的開展狀況和取得的成效。目前農(nóng)行L省分行服務(wù)“三農(nóng)”氛圍已經(jīng)形成、農(nóng)行資產(chǎn)量大幅提升、信貸支農(nóng)路線進一步明確、農(nóng)村基礎(chǔ)金融服務(wù)能力進一步強化。農(nóng)行逐年增加涉農(nóng)貸款的投放量,對L省農(nóng)業(yè)生產(chǎn)總值的增加和農(nóng)民人均純收入的提高有積極作用。然后通過分析現(xiàn)狀找出現(xiàn)階段所存在的問題,主要包括：縣域客戶基礎(chǔ)薄弱,市場定位不清晰；金融服務(wù)創(chuàng)新不足,缺乏市場競爭力；信貸支農(nóng)仍是短板部分；風(fēng)險防控壓力較大,信貸流程亟需改進；“惠農(nóng)通”量化效益不大；員工素質(zhì)偏低,業(yè)務(wù)能力有待提升這六個方面。接下來通過對農(nóng)行經(jīng)營目標與農(nóng)業(yè)生產(chǎn)適應(yīng)性分析、農(nóng)行商業(yè)化經(jīng)營與農(nóng)村信用環(huán)境矛盾性分析以及農(nóng)行信貸制度、金融產(chǎn)品、人員聘用與農(nóng)村金融市場需求對接分析,具體分析問題產(chǎn)生根源。最后對提升農(nóng)行服務(wù)“三農(nóng)”水平和能力給出針對性的對策建議,具體包括：強化農(nóng)行服務(wù)“三農(nóng)”的市場定位,明確縣域重點擴戶工作目標群體；加快農(nóng)行“三農(nóng)”產(chǎn)品創(chuàng)新,對接農(nóng)村金融市場需求,提高市場競爭力,制定“三農(nóng)”客戶準入新標準,實施差異化信貸轉(zhuǎn)授權(quán)；健全縣域支行風(fēng)險管控組織體系,強化縣域支行及以下機構(gòu)基礎(chǔ)管理,堅守“三農(nóng)”業(yè)務(wù)風(fēng)險底線,保障銀行經(jīng)濟效益和社會效益雙實現(xiàn)；優(yōu)化農(nóng)行信貸支農(nóng)業(yè)務(wù)服務(wù),推進農(nóng)戶貸款轉(zhuǎn)型,精化強化縣域小微企業(yè)信貸,深化農(nóng)業(yè)產(chǎn)業(yè)鏈式服務(wù),切實解決農(nóng)村急需融資難題；在“惠農(nóng)通”工程上提質(zhì)增量,全面提升“惠農(nóng)通”服務(wù)點有效率和惠農(nóng)卡的綜合收益水平,提高“惠農(nóng)通”的知名度和惠及面；深化“三農(nóng)”金融事業(yè)部改革,加大“三農(nóng)”人力資源配置力度,完善“三農(nóng)”績效考評機制,強化縣域員工隊伍建設(shè),為農(nóng)戶提供更好、更適合的金融服務(wù)。
[Abstract]:The "three rural areas", the overall initiative, to solve the "three rural issues" has been the top priority of national security. Agricultural Bank of China, as a large state-owned commercial bank, is committed to providing financial services for the development of rural agriculture. In recent years, the rural economy of L province has developed rapidly, which is closely related to the development of agricultural bank L branch's efforts to promote the work of serving agriculture, rural areas and farmers, and its service work of agriculture, rural areas and farmers is of representativeness and research significance. Based on the theory of market failure, institutional change, transaction cost and information asymmetry, this paper adopts the scientific method of combining data analysis with empirical analysis, and takes market failure theory, institutional change theory, transaction cost theory and information asymmetry theory as the theoretical basis. Based on the research on the present situation of agricultural bank L branch serving the work of "agriculture, countryside and farmers", this paper finds out the problems existing in the work of "agriculture, countryside and farmers" and analyzes the reasons, in order to provide reference and suggestions for improving the service of agricultural bank L branch to the work of "agriculture, countryside and farmers". This paper first introduces the status and achievements of Agricultural Bank of China (ABC) L Branch in serving agriculture, rural areas and farmers. At present, the atmosphere of agricultural bank L branch serving "agriculture, countryside and farmers" has been formed, the amount of assets of Agricultural Bank has been greatly increased, the line of credit supporting agriculture has been further clarified, and the ability of rural basic financial service has been further strengthened. The Agricultural Bank of China (AgBank) has a positive effect on the increase of agricultural GDP and the increase of per capita net income of farmers in L province by increasing the amount of loans for agriculture year by year. Then through the analysis of the current situation to find out the existing problems, including: the county customer base is weak, market positioning is not clear; financial service innovation is insufficient, lack of market competitiveness; credit support agriculture is still a short board part; The risk prevention and control pressure is great, the credit flow needs to be improved urgently, the benefit of Nongtong is not enough, the quality of the staff is on the low side, and the business ability needs to be improved. Then, through the analysis of ABC's management objectives and adaptability of agricultural production, the contradiction analysis of ABC's commercial operation and rural credit environment, and the analysis of ABC's credit system, financial products, personnel employment and rural financial market demand, Specific analysis of the root causes of the problem. Finally, the paper gives some countermeasures and suggestions to improve the level and ability of Agricultural Bank of China (ABC) service, including: strengthening the market orientation of Agricultural Bank of China's service to agriculture, rural areas and farmers, and defining the target groups of key household expansion at county level; Accelerate Agricultural Bank of China's "three rural" product innovation, connect the rural financial market demand, improve the market competitiveness, formulate the "three rural" customer access standards, the implementation of differentiated credit transfer authorization; Perfect the risk management and control organization system of county branch, strengthen the basic management of county branch and below, stick to the bottom line of "three rural" business risk, guarantee the double realization of economic and social benefits of bank; Optimize the agricultural bank's credit service to support agriculture, promote the transformation of farmers' loans, strengthen the county small and micro enterprise credit, deepen the agricultural industry chain service, and solve the urgent financing problem in rural areas. Raise the quality increment in the project of "Huinong Tong", improve the efficiency of the service point of "Huinongtong" and the comprehensive income level of the Huinong card, and raise the popularity and benefit area of "Huinong Tong"; We should deepen the reform of the financial department of agriculture, rural areas and farmers, strengthen the allocation of human resources for agriculture, rural areas and farmers, perfect the performance appraisal mechanism of "agriculture, rural areas and farmers", strengthen the construction of county staff, and provide better and more suitable financial services for farmers.
【學(xué)位授予單位】：沈陽農(nóng)業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F832.33

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