Research On Commercial Credit Business Development For The Adbc Gansu Branch

With the deepening market-oriented reform of grain circulation system, the business scope of Gansu Agricultural Development Bank gets further development. With the supporting agriculture functions significantly enhanced, business scope expanded rapidly, policy-based and commercial lending loan size has a rapid growth, conflicts and contradictions exist in the commercial credit business development are increasingly apparent, credit risk is also enlarged, meanwhile, some new situations and new problems in business development, which restricts the effective development of Gansu Agricultural Development Bank business.According to the requirements of the party and the state to Agricultural Development Bank, Gansu Agricultural Development Bank combined with Gansu " three agriculture " practical work, supports advantages agriculture with Gansu characteristics, agricultural development and rural infrastructure construction, reasonable credit structure, sound institutional mechanisms, management standards, advanced operation, with sustainable development capacity of modern agriculture policy banks. To achieve steady growth of assets business, safe operation of the liability business, continuous improvement of loan quality, steady improvement of operation efficiency; give full play to the backbone and the post role of the Agricultural Development Bank Gansu Branch in a new socialist countryside construction.By analyzing the characteristics of Gansu agricultural policy financial business, internal and external business environment Gansu Agricultural Development Bank facing, the demand status of the commercial credit business and business development characteristics, this paper find the difference of supporting the " three agriculture "between Gansu Agricultural Development Bank and other financial institutions. Meanwhile, using foreign developed countries’ agricultural policy-based financial development operation mode for reference, analyzing the current internal and external restricting factors in the development of Gansu Agricultural Development Bank commercial credit business, through setting scientific development and rational development objectives and planning of the commercial credit business, adjusts and optimizes the credit structure, summarizes a new mode of Gansu Agricultural Development Bank commercial credit business development, and puts forward risks preventive measures facing in the commercial credit business development.