The Study On The Mode Of Policy Banks In Our Country

The policy bank means that those are established, participated in by shares or guaranteed by the government more, do not regard making profits as object, In order to carry out, cooperate with government's social economic policy and intention specially, or the indirect one is engaged in the financing activity of policy in the specific business field, serve as government's economy of developing, promote social progress, carry on the financial institution of the macro-economic management tool. In our China, three policy banks which were directly under the control of State Department were established in 1994. Three policy banks of China which were established thirteen years ago, have formed the system frame of policy-related finance management basically, have established the indispensable position in the banking system of bank of policy tentatively; Cooperating with the implementation of the national industrial policy , is being raised and guide the social fund; Support the national infrastructure, construction of basic industry and pillar industry; Support the agricultural byproducts to purchase; Support the exports of electronic products and complete sets , Promote the respects, such as upgrading of the export commodities structure of our country, etc. to play an more and more important role, have supported the development of national economy effectively.The history of the foreign policy banks is longer than ours, and abundant experiences have been accumulated, Kreditanstalt Fur Weideraufau (KFW),Japan Development Bank (DBI) and Korea Development Bank (KDB) are influential and successfully transformed foreign policy banks. To study their successful experiences will be helpful to transform the policy banks in our country.Nowadays, with the gradually perfecting of the market economic system of our country, the state development stratagem has been adjusted correspondingly, the running circumstance of the policy banks have been changed. Comparing with the early period when the policy banks were established in 1994, macro-economics circumstance, industrial structure, market requirement and microcosmic foundation have been changed a lot. Meanwhile, the policy banks are restricted by the interior consistency of their-selves, many problems to the policy banks of our country have been appeared, the running ventures have been lied fallow. The presence of these problems and ventures is threatening their survival and development in the future, and makes the thought of building policy banks gone by the board, and makes our country carry the heavy debt burden. Therefore, the policy banks must begin to carry on the transform and innovation, and go for the survival and continual development of their-selves, in order to be seasoned with the development of the market economic, and carry on the particular action in national economic building. And now, the condition of which the policy banks achieve function adjust has been increasingly maturity, quickening the development of the policy banks and transform has been an important role to finance innovation.