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随着我国市场经济的不断发展,农业银行服务的对象和经营的环境也发生了重大变化,相比之下,农业银行的信贷结构多年来没有发生根本性的变化,直接制约着其生存和发展。本文拟就这一问题结合蕲春农行有关实际,谈些看法。一、信贷结构现状剖析(一)从贷款的行业和产业结构来看,传统产业多,新兴产业少。以蕲春农行目前33200万元的存量贷款来分析,有82%的贷款集中在乡企和商贸两大传统产业中。其
With the continuous development of the market economy in our country, the service targets and the operating environment of the Agricultural Bank have also undergone major changes. By comparison, the credit structure of the Agricultural Bank has not undergone fundamental changes over the years, and has directly restricted its survival and development . This article intends to combine this issue with Hunchun Agricultural Bank about the actual situation, to talk about some views. First, analysis of the status of credit structure (A) From the loan industry and industrial structure, the traditional industries and new industries less. With Hunchun Agricultural Bank currently 332000000 yuan of stock loans to analyze, 82% of the loans are concentrated in township enterprises and commerce two traditional industries. its