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农业发展银行作为农业政策性金融机构,其特殊的信贷资金运营规律决定了必须建立与之相适应的信贷资金管理办法。目前,农发行业务由全面代理转入基本自营,信贷资金运营的特征和规律性得到了充分的体现,为研究近两年来农发行信贷资金管理情况,进一步改进信贷管理,本文谈点个人看法:1、改进信贷计划管理,减少信贷需求对资金供应的直接压力,增加对资金运用的可控性。目前,农业发展银行的信贷需求既不受存贷比例的制约,也不受资金余缺的限制,因此形成资金运用难以控制,以及资金供应的被动性。我们认为,解决问题的办法是要进一步加强和改善信贷
Agricultural Development Bank, as an agricultural policy-oriented financial institution, has its own rules governing the operation of credit funds, which determine the need to establish a credit fund management approach that is appropriate to it. At present, the business of agricultural development has shifted from full agency to basic self-operation, and the characteristics and regularities of the operation of credit funds have been fully reflected. In order to study the management of credit funds of the Agricultural Development Bank in the past two years and further improve credit management, this article talks about personal opinions : 1. Improve the management of credit plans so as to reduce the direct pressure on credit supply on capital supply and increase the control over the use of funds. At present, the demand for credit of Agricultural Development Bank is neither restricted by the deposit-loan ratio nor restricted by the shortage of funds, which makes the use of funds difficult to control and the passive supply of funds. In our opinion, the solution to the problem is to further strengthen and improve credit