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在现行的信贷资金管理体制下,农业发展银行与中央银行之间,与其它金融机构之间,以及农业发展银行系统内上下级行之间的业务活动、资金往来,一律实行货币结算,实行信贷资金的实借实存、实缴实拨、及时清算。在农业发展银行资金来源渠道相对单一,实行总行统借统还,各分、支行的资金需求主要通过系统内借款予以平衡的情况下,经常引起资金收支在时间上、地区间、行际间占用不平衡,信贷资金的配置与实际业务需要存在缺口。这对于信贷资金的封闭运行和农业发展银行的保本经营,最终实现农业政策性信贷资金的合理运动、安全回流和增值,都带来了很大影响。本文以农业发展银行资产负债结构不合理、财务收支不能实现自身平衡为切入点,对农业政策性信贷资金营运与管理问题进行分析、探讨。
Under the current credit fund management system, all commercial activities and capital transactions between the Agricultural Development Bank and the Central Bank, other financial institutions, and between the upper and lower levels of the Agricultural Development Bank system will be subject to monetary settlement and credit The actual borrowing of funds, paid real dial, timely liquidation. In the case of a relatively single source of funding for the Agricultural Development Bank and the implementation of the unified system of repaying loans by the head office, the funding needs of various branches and sub-branches are often balanced by borrowings within the system, often causing the balance of payments to be delayed in time, Imbalance in occupancy, there is a gap between the allocation of credit funds and the actual business needs. This has had a great impact on the closed operation of credit funds and the capital preservation operation of Agricultural Development Bank, and finally the rational movement, safety return and value-added of agricultural policy-related credit funds. In this paper, the Agricultural Bank of China asset-liability structure is irrational, the financial revenue and expenditure can not achieve their own balance as the starting point, the operation and management of agricultural policy-related credit funds to analyze and discuss.