The Research On The Commercial Finance Development Of Agricultural Policy Banks

China is a large agricultural nation, the agriculture is the important material base which the economical development and the society progresses, its development change will have the profound influence tosocial each domain. The agricultural production has the productioncycle long, the land income reducible, the capital investment recycling time long and so on the characteristic, the management agriculture notonly the risk big, the income low, moreover the cost high, theturnover of capital is slow, these factors have caused under themarket mechanism condition the agricultural fund investment insufficiency. But the agricultural policy finance is the national implementation macroeconomic regulation and control, increases the countryside credit investment, the protection and the supportagricultural development important method and the powerful tool, is to the market mechanism in the agricultural domain disposition financeresources insufficient essential supplement. After grain cotton and kapok market, because grain cotton and kapok enterprise's managementhas the remarkable change, our country agricultural policy bank service movement also has the corresponding change. In order to realize oneself to continue effectively to develop, our country agricultural policy bank has gradually set up the commercial service,includes the width capital source channel, the innovation credit product, provides the countryside to throw the financing service. The present paper hoped through analyzes our country agricultural policybank management commercial service the present situation and the existence question, the model overseas agricultural policy bank success experience, proposes the commercial service and the policy service interworking balanced development strategy, thus further strengthens to the agricultural policy bank research, the consummation and the enrichment modern rural finance theory; For correctly understood and reforms our country agricultural policy bank to providethe practical theory frame and the actual operation suggestion.The present paper first elaborated the agricultural policy bank implication and the characteristic, the policy finance and the commercial finance relations, clarified about policy bank development commercial finance some mistakes had known and indicated. After elaboration agricultural policy bank development commercial finance agent, has carried on the contrast to the commercial credit and the policy credit and the development credit characteristic, has analyzedthe credit fund seal movement mechanism and the commercial operation mechanism. After that the paper to introduce our country agricultural policy bank development commercial finance service course, the present situation, the existence question, have carried on the summary again to the overseas agricultural policy bank commercial service practice. Finally aims at the question which in our country agricultural policy bank commercial service development exists, proposed the operation management pattern and the management strategy.The present paper draws the following conclusion: The agriculturalpolicy bank development commercial finance has its rationale and thereality basis, our country agricultural policy bank should carry out in the policy function foundation to develop the commercialfinance, through the commercial operation enhancement profit ability,realizes oneself to continue to develop.