The Primary Discussion About Agriculture Bank Management Mode Of Help-poverty Credits Under New Circumstances

With our country successfully affiliated to WTO, agriculture bank would change to a commercial bank that is separated from government and accord with international standard. Then, how to well issue and administrate the help-poverty loan which is attached a little policy nature it becomes a theoretic and practice problem urgently needs to solute. At the same time, agriculture bank must pursue its profits.The article bases on the help- poverty loan administrative in agriculture bank under new condition and has a system research on help- poverty problem in process of economy development using theory research, international experience and our actuality state for reference. In part of theory research, the author points out that the scarcity of capitals is an primarily cause that leads developing country to poverty, while the financial restraints result in lack of capitals and unreasonable resources deploying, and the main measures to break vicious cycle of poverty is lift the financial restraints and improve the investment efficiency. Subsequently by analyzing the phase characteristic and its practice course of our country's help-poverty policy, the author induces the basic deficit. And by analyzing international help-poverty loan policy especially little help-poverty loan, the author points out that our country's help-poverty policy must obey the credit principle and design a direct credit loan transfer system specially aiming at the poor and pay more attention to the development of human resource of the poor.On basis of the above, author in allusion the to the interest subsidy loan policy influence on bank behavior, points out the way in which agriculture bank participate in help-poverty credit loan lies in transferring the government endeavor improving the circumstance in which the poor enter finance market to acceptable economic mode for market economy. Finally combining the practice in agriculture bank, the author regards help-poverty loan must be converted from relief type to developing type on input mechanism, from quantity to benefit kind on plan deploying, from paying attention to issue to total quality management on loan administrative. And by a serials of optimizing discuss, the author brings forward an ideal credit loan help-poverty model, which gives "item loan" the first place and "little credit loan" the second place.