發(fā)布時(shí)間：2018-10-09 20:57

【摘要】：自農(nóng)業(yè)發(fā)展銀行建行以來(lái)，農(nóng)業(yè)發(fā)展銀行作為國(guó)家政策性銀行，一直從事國(guó)家指定范圍、對(duì)象與用途的貸款業(yè)務(wù)。隨著我國(guó)農(nóng)業(yè)產(chǎn)業(yè)政策的不斷完善和糧食市場(chǎng)全面快速開(kāi)放，農(nóng)業(yè)發(fā)展銀行在探索中前進(jìn)，在改革中發(fā)展，進(jìn)一步開(kāi)辦了商業(yè)性貸款業(yè)務(wù)。農(nóng)業(yè)發(fā)展銀行承辦的商業(yè)性信貸業(yè)務(wù)是在政策性貸款業(yè)務(wù)基礎(chǔ)上的延伸，為農(nóng)業(yè)發(fā)展銀行提供了更廣闊的可持續(xù)發(fā)展空間。我國(guó)政策的不斷調(diào)整，，為農(nóng)業(yè)發(fā)展銀行協(xié)調(diào)發(fā)展政策性信貸業(yè)務(wù)和商業(yè)性信貸業(yè)務(wù)提供了條件。堅(jiān)定不移的辦好政策性信貸業(yè)務(wù)，審慎積極地開(kāi)展商業(yè)性信貸業(yè)務(wù)，是實(shí)現(xiàn)農(nóng)業(yè)發(fā)展銀行可持續(xù)發(fā)展的重要途徑。 隨著市場(chǎng)經(jīng)濟(jì)的發(fā)展、現(xiàn)代化手段的運(yùn)用和金融創(chuàng)新進(jìn)程的加快，銀行在服務(wù)經(jīng)濟(jì)取得相當(dāng)利潤(rùn)的同時(shí)，已經(jīng)逐步跨入了高風(fēng)險(xiǎn)的行業(yè)。拓展業(yè)務(wù)與防控風(fēng)險(xiǎn)已經(jīng)成為現(xiàn)代銀行經(jīng)營(yíng)管理不可分割的兩個(gè)重要方面。就發(fā)展現(xiàn)狀來(lái)看，農(nóng)業(yè)發(fā)展銀行的不良貸款已經(jīng)成為妨礙農(nóng)業(yè)發(fā)展銀行發(fā)展的重要因素。只有全面了解并且準(zhǔn)確分析農(nóng)業(yè)發(fā)展銀行開(kāi)辦信貸業(yè)務(wù)不良貸款存在的原因，才能更好地提出解決辦法及相關(guān)措施，才能進(jìn)一步完善農(nóng)村市場(chǎng)金融機(jī)制，使金融資源合理配置，進(jìn)一步加快農(nóng)村市場(chǎng)的健康發(fā)展。 因此，深入研究農(nóng)業(yè)發(fā)展銀行如何在保障發(fā)展信貸業(yè)務(wù)的基礎(chǔ)上有效防控不良貸款具有重要的現(xiàn)實(shí)意義。本文將通過(guò)案例分析的形式，以甲公司不良貸款案例為切入點(diǎn)，從不良貸款產(chǎn)生的原因出發(fā)，深刻分析并提出化解農(nóng)業(yè)發(fā)展銀行不良貸款的對(duì)策與措施，使農(nóng)業(yè)發(fā)展銀行開(kāi)辦信貸業(yè)務(wù)更好的可持續(xù)發(fā)展，更好地支持“三農(nóng)”政策。
[Abstract]:Since the Construction Bank of Agricultural Development Bank, as a national policy bank, has been engaged in the loan business of the designated scope, object and purpose of the country. With the continuous improvement of agricultural industrial policy and the rapid opening of grain market in China, the Agricultural Development Bank has advanced in exploration, developed in reform, and further opened the business of commercial loans. The commercial credit business undertaken by the Agricultural Development Bank is an extension on the basis of the policy-oriented loan business, which provides the Agricultural Development Bank with a broader space for sustainable development. The continuous adjustment of China's policy provides the condition for the Agricultural Development Bank to coordinate the development of policy-oriented credit business and commercial credit business. It is an important way to realize the sustainable development of Agricultural Development Bank (ADB) by unswervingly running the policy credit business and developing the commercial credit business prudently and actively. With the development of market economy, the application of modern means and the acceleration of financial innovation, banks have gradually stepped into high-risk industries while making considerable profits in serving the economy. Expansion of business and prevention and control of risk have become two important aspects of modern bank management. As far as the development situation is concerned, the bad loans of the Agricultural Development Bank have become an important factor hindering the development of the Agricultural Development Bank. Only by fully understanding and accurately analyzing the reasons for the existence of non-performing loans in the agricultural development bank can we better put forward solutions and relevant measures, further improve the financial mechanism of the rural market and make the financial resources reasonably allocated. We will further speed up the healthy development of the rural market. Therefore, it is of great practical significance to study how the Agricultural Development Bank can effectively prevent and control non-performing loans on the basis of ensuring the development of credit business. In this paper, through the form of case study, starting from the causes of non-performing loans and taking the non-performing loan cases of A Company as the starting point, the countermeasures and measures to resolve the non-performing loans of the Agricultural Development Bank will be deeply analyzed and put forward. Make Agricultural Development Bank to start credit business better sustainable development, better support the "three rural" policy.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.33

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