Study On Optimized The Policies Of Mid-term&Long-term Loan Of ADBC Xinjiang Branch

Policy guidance for med-term & long-term loan is the big innovations of ADBC in the "two wheel drive" strategy, which has made outstanding contributions to support of the local economy development and new rural construction, and it has supported agriculture, rural areas and farmers as an important business. But with change and press of the external policy of local and internal mechanism of the transformation, the bank loan for the med-term & long-term business develops slowing, the ending loan balance reduced year by year, which severely restricted the development of local economy and the bank’s own business sustainability. So in the face of this situation, there is an urgent need to solve issue to ADBC Xinjiang branch, which is the optimization and transformation of the long-term loan the bank credit policy, and putting forward a differentiated credit policy policy-directed.In this paper, with the start of the current situation of med-term & long-term loan of ADBC Xinjiang branch to show the necessity of change and optimized the policies of med-term & long-term loan in Xinjiang branch through chart and table. Finally put the develop direction and optimized the policies of med-term & long-term loan in Xinjiang branch under the unique policy and resources and conditions of Xinjiang. On the development direction aspects, the best option of med-term & long-term loan is production and construction corps, kashi huoerguos economic development zone and the silk road economic belt. On the optimization countermeasures: optimized policy optimization and transformation from five aspects which are clearly define the scope of credit support, innovation differentiated credit policy, innovation service mode, innovative financial products, innovation and development power. Finally, all of this provide theory basis to the development of med-term & long-term loan of Xinjiang branch business.