The Research Of Credit Management Of The Agricultural Development Bank Of China

The Agricultural Development Bank of China which subordinates the State Council to lead was established on April 19, 1994 according to the People's Republic of China State Council about"Sets up The China Agricultural Development Bank Notice"(the country to send the state-owned agricultural policy bank [1994] 25). Its primary mission is: According to the national law, regulation policy, take the national credit as the foundation, collect agricultural policy credit fund and undertake the national stated agricultural policy finance service in order to serve for the development of the agriculture and the rural economy.The Agricultural Development Bank of China has been established for 13 years, it is extremely obvious that it is the support to agricultural and rural economy development,and it's effect is extremely remarkable.The first, for several years, purchase fund of The Agricultural Development Bank of China is supplied promptly and sufficiently, receive catty grain, for catty grain funds, which absolutely settles puzzled problem of the agricultural economy development. The eldest question namely "to write the bad check" since long ago are settled .The agricultural foundation status are consolidated.The second, the Agricultural Development Bank of China promotes adjustment of the agricultural production structure and supports the withdrawal protection price grain purchase and the circulation.The third, through strengthening supervising and managing purchases the fund to the grain enterprise, it effectively prevents occupies, diverts the occurrence of the question, which basically realizes the purchase fund seal movement, assures the Central Bank foundation currency normal release and suppresses the inflation. The agricultural policy bank has become the important constituent in at present rural finance system.The agricultural policy credit fund holds the extremely important status in the rural finance service. During the acknowledgement of agricultural policy credit to promote agricultural economy development we also can see it's the flaw of function. At present ,our country agricultural policy loan specially refers to grain, cotton and kapok, the oil purchase loan, which obviously already does not have or incompletely has special support function of the agricultural policy credit, Since in August, 2001 ,the grain buying and selling organizational reform, in each place advancement of grain market obviously has sped up, which causes the agricultural release to face delivery difficulties of the greater loan, more difficulties of supervising and managing of grain stock, the agricultural release credit fund risk obviously increases.There are five chapters in this article:The first chapter introduces research background, the research significance and old the research results.The second chapter describes the theory and the analytic frame.The third chapter analyses grain buying and selling market and it's the influence which brings for the agricultural credit fund management.The fourth chapter conducts the comparison research to experience of the overseas agricultural policy financial credit fund managerial.The fifth chapter profits from advanced credit fund managerial experience of the overseas agricultural policy financial organ. Unified our country national condition, explores agricultural policy credit fund management system of taking the credit fund risk management as the central.There are three pieces of research conclusion as follows:Firstly, reform and innovate policy of agriculture credit management system.Secondly, law of the agricultural policy bank should be set up as soon as possible in order to provide the legal safeguard for the credit fund management. Thirdly, establish perfect scientific and effective agricultural policy credit management system.