本文選題：農(nóng)發(fā)行 + 鄂爾多斯市　； 參考：《內(nèi)蒙古財(cái)經(jīng)大學(xué)》2017年碩士論文

【摘要】：中國(guó)農(nóng)業(yè)發(fā)展銀行作為我國(guó)唯一的一家農(nóng)業(yè)政策性銀行,建行以來(lái)長(zhǎng)期貫徹國(guó)家政策方針加大對(duì)農(nóng)村、農(nóng)民、農(nóng)業(yè)的支持力度,對(duì)城鄉(xiāng)一體化進(jìn)程的推進(jìn)做出了重要的貢獻(xiàn),逐步形成了全面的、多領(lǐng)域的支農(nóng)格局。在2014年國(guó)務(wù)院根據(jù)農(nóng)業(yè)發(fā)展實(shí)際做出了農(nóng)發(fā)行改革的決定,農(nóng)發(fā)行借此迎來(lái)了新的發(fā)展契機(jī)。國(guó)家為農(nóng)發(fā)行確立幾大經(jīng)營(yíng)使命:明確政策屬性、堅(jiān)持對(duì)“三農(nóng)”發(fā)展支持、遵守銀行業(yè)發(fā)展規(guī)范、為國(guó)家糧食安全貢獻(xiàn)自己的力量、助力脫貧致富、為城鄉(xiāng)一體化發(fā)展和國(guó)家安全作出努力。中國(guó)農(nóng)業(yè)發(fā)展銀行鄂爾多斯市分行是農(nóng)發(fā)行業(yè)務(wù)發(fā)展的窗口和前線(xiàn),其建設(shè)發(fā)展的情況,直接關(guān)系到農(nóng)發(fā)行改革發(fā)展和落實(shí)支農(nóng)使命的成敗。然而受全國(guó)經(jīng)濟(jì)下行和鄂爾多斯區(qū)域性經(jīng)濟(jì)危機(jī)的影響,該行貸款客戶(hù)接連發(fā)生貸款逾期和欠息現(xiàn)象,持續(xù)形成新增不良且呈高發(fā)態(tài)勢(shì),面臨的風(fēng)險(xiǎn)防控形勢(shì)日趨嚴(yán)峻、壓力越來(lái)越大,導(dǎo)致該行管理層對(duì)新業(yè)務(wù)發(fā)展存在畏難情緒,近幾年除了發(fā)放一些沒(méi)有風(fēng)險(xiǎn)的政策性糧食收購(gòu)貸款外,其他支農(nóng)業(yè)務(wù)幾乎停滯不前。為更好適應(yīng)農(nóng)發(fā)行的改革發(fā)展,鄂爾多斯市分行急需找出自身信貸業(yè)務(wù)發(fā)展中的問(wèn)題所在,清晰找出能夠持續(xù)發(fā)展的戰(zhàn)略和策略,使國(guó)家的支農(nóng)政策和農(nóng)發(fā)行總行的戰(zhàn)略規(guī)劃在鄂爾多斯得到有效的落實(shí)。本文將通過(guò)分析農(nóng)發(fā)行鄂爾多斯市分行近幾年信貸業(yè)務(wù)的發(fā)展情況,找出問(wèn)題所在,并通過(guò)態(tài)勢(shì)分析法(SWOT分析法)得出該行在當(dāng)前的內(nèi)外部環(huán)境下業(yè)務(wù)發(fā)展策略,以便對(duì)該行今后信貸業(yè)務(wù)發(fā)展提供借鑒。
[Abstract]:The Agricultural Development Bank of China, as the only agricultural policy bank in China, has made important contributions to the advancement of the urban-rural integration process through the long-term implementation of the national policy guidelines to increase the support for rural areas, farmers and agriculture. Gradually formed a comprehensive, multi-field pattern of support for agriculture. In 2014, the State Council made the decision to reform the Agricultural Development Bank according to the actual agricultural development, so the Agricultural Development Bank ushered in a new development opportunity. The state has established several major business missions for the Agricultural Development Bank: clear policy attributes, persist in supporting the development of agriculture, rural areas and farmers, abide by banking development norms, contribute their own strength to national food security, and help to extricate themselves from poverty and become rich. Efforts will be made to integrate urban and rural development and national security. The Ordos branch of Agricultural Development Bank of China is the window and front line of the development of Agricultural Development Bank of China. The construction and development of the branch is directly related to the success or failure of the reform and development of Agricultural Development Bank and the implementation of the mission of supporting agriculture. However, under the influence of the national economic downturn and the regional economic crisis in Ordos, the bank's loan customers continue to experience overdue loans and outstanding interest rates, which continue to form a new bad and high incidence situation, and the situation of risk prevention and control is becoming increasingly serious. The pressure is mounting, leaving the bank's management fearful of new operations, which have stagnated in recent years, with the exception of riskless loans for policy food acquisitions. In order to better adapt to the reform and development of the Agricultural Development Bank, Ordos Branch urgently needs to find out the problems in the development of its credit business, and clearly find out the strategy and strategy for sustainable development. The policy of supporting agriculture and the strategic plan of Agricultural Development Bank are effectively implemented in Ordos. This paper will analyze the development of credit business in Ordos Branch of Agricultural Development Bank in recent years, find out the problem, and get the business development strategy of this bank under the current internal and external environment through the SWOT analysis method of situation analysis. In order to provide reference for the bank's future development of credit business.
【學(xué)位授予單位】：內(nèi)蒙古財(cái)經(jīng)大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.4

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