本文關(guān)鍵詞：農(nóng)發(fā)行遼源市分行政策性中長期貸款發(fā)展對策研究　出處：《吉林大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 農(nóng)業(yè)政策性金融 中長期貸款 信貸管理

【摘要】：農(nóng)業(yè)政策性中長期貸款作為農(nóng)發(fā)行重要的金融產(chǎn)品，以其突出的帶動和示范作用、在支持地方經(jīng)濟及農(nóng)業(yè)發(fā)展等方面的獨特優(yōu)勢，，成為當(dāng)前基層農(nóng)發(fā)行支持三農(nóng)、履行政策性銀行職能的一項重要業(yè)務(wù)。近年來，農(nóng)發(fā)行遼源市分行政策性中長期貸款業(yè)務(wù)取得了一定的進展，但是由于受地方經(jīng)濟條件、財政綜合實力、信貸產(chǎn)品流程設(shè)計、人員思想觀念等主客觀因素的制約，并沒有取得預(yù)期的效果。同比較成熟的糧油收購貸款業(yè)務(wù)相比，政策性中長期貸款營銷與管理還處在相對初期的階段，無論是貸款規(guī)模、還是發(fā)揮的職能作用都與“兩輪”驅(qū)動戰(zhàn)略中一輪的地位不相符。 黨的十八大提出加快推進城鎮(zhèn)化建設(shè)的目標，如何發(fā)揮農(nóng)發(fā)行政策性中長期貸款的信貸資金的杠桿作用，引導(dǎo)和推動更多的社會資金支持政策性項目，實現(xiàn)社會效益、政府效用和自身收益的最佳結(jié)合，是基層農(nóng)發(fā)行面臨的一個重要的課題。本文結(jié)合國家推進城鎮(zhèn)化進程、新農(nóng)村建設(shè)、“四化”同步等國家宏觀政策，分析了遼源市地方經(jīng)濟狀況和農(nóng)發(fā)行遼源市分行政策性中長期貸款的現(xiàn)狀，重點分析了政策性中長期貸款在產(chǎn)品營銷、貸后監(jiān)管等方面存在的問題。 農(nóng)發(fā)行政策性中長期貸款無論在產(chǎn)品的營銷、貸后的監(jiān)管以及風(fēng)險防范等方面都存在需要完善和改進的地方。在政策范圍、產(chǎn)品設(shè)計、辦貸流程全部設(shè)定的前提下，如何營銷和維護好客戶是推動農(nóng)業(yè)政策性中長期貸款可持續(xù)發(fā)展的關(guān)鍵�；鶎愚r(nóng)發(fā)行必須把握住經(jīng)營重點、運用好經(jīng)營策略才能收到預(yù)期的效果。因此，在客戶的管理模式和維護客戶的方式上，要切實轉(zhuǎn)變經(jīng)營理念，真正做到“以客戶為中心”，確保各種營銷客戶的措施落到實處，不斷提高自身能力和水平，以促進農(nóng)發(fā)行核心競爭力的提升。應(yīng)努力提升政策性中長期貸款產(chǎn)品的核心價值，進行有效的市場細分和服務(wù)定位，加強銷售渠道管理和營銷方式創(chuàng)新，不斷改進服務(wù)措施以提升客戶滿意度，以提高員工素質(zhì)和技能為核心組建高水平團隊。需要農(nóng)發(fā)行全體員工進一步解放思想，堅持因地制宜，將現(xiàn)有政策與遼源地區(qū)實際相結(jié)合，利用現(xiàn)有經(jīng)濟、政策資源，不斷拓展農(nóng)業(yè)政策性中長期貸款的支持領(lǐng)域，在支持遼源地方經(jīng)濟發(fā)展、服務(wù)“四化”同步的前提下實現(xiàn)自身的有效發(fā)展。同時要結(jié)合農(nóng)發(fā)行現(xiàn)有政策以及遼源市地方經(jīng)濟發(fā)展?fàn)顩r，在政策性中長期貸款的管理方面，統(tǒng)籌抓好貸前、貸中、貸后各個關(guān)鍵環(huán)節(jié)，在有效防范風(fēng)險的前提下發(fā)揮政策性支農(nóng)作用，促進農(nóng)發(fā)行遼源市分行政策性中長期貸款健康、持續(xù)的發(fā)展。
[Abstract]:As an important financial product of Agricultural Development Bank, agricultural policy medium and long term loan has unique advantages in supporting local economy and agricultural development with its outstanding role of driving and demonstration. Agricultural Development Bank has become an important business in supporting agriculture, rural areas and farmers and performing the function of policy bank. In recent years, Liaoyuan Branch of Agricultural Development Bank has made some progress in policy medium and long term loan business. However, due to the local economic conditions, comprehensive financial strength, credit product process design, personnel ideas and other subjective and objective factors. Compared with the relatively mature grain and oil purchase loan business, the policy medium and long-term loan marketing and management is still in the relatively early stage, no matter the loan scale. Or the role of the role of the "two-wheel" drive strategy in the position of a round is not in line. The Party's 18 National Congress put forward the goal of speeding up the construction of urbanization, how to give full play to the leverage of the loan funds of the Agricultural Development Bank's policy medium and long term loans, and to guide and promote more social funds to support policy projects. The realization of social benefits, the best combination of government utility and its own income, is an important subject facing the grass-roots Agricultural Development Bank. This paper combines the country to promote the process of urbanization, new rural construction. This paper analyzes the local economic situation of Liaoyuan City and the present situation of the policy medium and long term loan of Liaoyuan Branch of Agricultural Development Bank, and focuses on the product marketing of the policy medium and long term loan. After the loan supervision and other aspects of the problems. Agricultural Development Bank policy medium- and long-term loans in terms of product marketing, post-loan supervision and risk prevention and other aspects need to be improved and improved. In the policy scope, product design. How to market and maintain the customers is the key to promote the sustainable development of long-term agricultural loans, and the basic Agricultural Development Bank must grasp the management focus. Therefore, in the management mode of customers and the way to maintain customers, it is necessary to change the management concept and really achieve the "customer-centered". To ensure the implementation of various marketing measures, constantly improve their own capabilities and levels, in order to promote the core competitiveness of the Agricultural Development Bank. We should strive to enhance the core value of policy medium- and long-term loan products. Carry on effective market segmentation and service positioning, strengthen sales channel management and marketing innovation, continuously improve service measures to enhance customer satisfaction. To improve the quality and skills of staff as the core to set up a high-level team. It is necessary for all staff of the Agricultural Development Bank to further emancipate the mind, adhere to local conditions, will combine existing policies with the reality of Liaoyuan region, the use of the existing economy. Policy resources, continue to expand the agricultural policy medium and long-term loan support areas, in support of local economic development in Liaoyuan. At the same time, we should combine the existing policies of the Agricultural Development Bank and the local economic development of Liaoyuan City, in the management of the policy of medium and long term loans, grasp the loan before as a whole. In the loan, every key link after the loan, under the premise of effectively preventing the risk, the policy supports agriculture function, promotes the policy medium and long term loan of Liaoyuan branch of the Agricultural Development Bank of China to develop healthily and continuously.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

【參考文獻】

相關(guān)期刊論文 前10條

1 白永秀,袁云濤;農(nóng)業(yè)政策性金融支持農(nóng)業(yè)區(qū)域產(chǎn)業(yè)問題研究[J];福建論壇(經(jīng)濟社會版);2003年01期

2 楊羽飛;嚴青;陳金光;;農(nóng)業(yè)政策性金融改革與發(fā)展問題研究[J];南方金融;2009年07期

3 黃賢輸;王鐵夫;陳森;;對加強農(nóng)業(yè)發(fā)展銀行準政策性貸款管理的思考[J];福建金融;2008年09期

4 白欽先;政策性金融論[J];經(jīng)濟學(xué)家;1998年03期

5 李志輝;崔光華;;基于開發(fā)性金融的政策性銀行轉(zhuǎn)型——論中國農(nóng)業(yè)發(fā)展銀行的改革[J];金融研究;2008年08期

6 郭書田;農(nóng)業(yè)產(chǎn)業(yè)化的理論與實踐[J];農(nóng)村合作經(jīng)濟經(jīng)營管理;1998年12期

7 謝愛輝;;我國農(nóng)村政策性金融體系構(gòu)建方略[J];農(nóng)村經(jīng)濟;2006年11期

8 何廣文;對農(nóng)村政策金融改革的理性思考[J];農(nóng)業(yè)經(jīng)濟問題;2004年03期

9 朱英剛;;國外農(nóng)業(yè)政策性金融發(fā)展與借鑒[J];農(nóng)業(yè)發(fā)展與金融;2003年04期

10 朱英剛;王吉獻;;農(nóng)業(yè)發(fā)展銀行中長期貸款運作模式研究[J];農(nóng)業(yè)發(fā)展與金融;2007年09期

本文編號：1410930