Study On The Structure Optimization Of The Medium And Long Term Loan Of Hefei Branch Of Agricultural Development Bank Of China

The agricultural development bank of China as the only agricultural policy bank in China,the loan is the main credit business,is also a national policy Banks have taken on duties,in recent years,with the central post requirement for several years the bank not only take the functions of the original oil collection and storage,more to play a state policy bank under the new normal economy,play a social reform of supply side and bear the economic counter-cyclical policy bank regulation,requirements of national rural rural infrastructure construction projects to provide long-term loans to support.This paper analyses the status quo of the agricultural development bank of China branch in hefei long-term loan structure and main characteristics,and with the six provinces of central China agricultural development bank of provincial capital structure of medium and long-term loans to compare compare and analyze their differences,and then compare the agricultural development bank of China and four cities in anhui province branch structure of medium and long-term loans.Secondly,analyzed the agricultural development bank of China branch in hefei main problem loan structure,mainly has the following several aspects: medium and long-term loans accounted for in the loan amount is too low,the influential large-scale projects without support,policy support turn shantytowns into new housing areas,water conservancy construction and poverty alleviation loans without support.To the causes of the bank branch in hefei long-term loan problems,difficulties and restricting factors were analyzed,and illustrates the necessity of medium and long-term loans structure optimization,in combination with the particularity of provincial cities and economy.in view of macro policy advantage condition,finally to put forward the development direction of medium and long-term loan business and optimizing countermeasures.For large projects in development direction for the gripper,improve loan amount;To take advantage of policy,turn shantytowns into new housing areas,water conservancy construction development and povertyalleviation loan;Based on relative backward area,targeted to carry out the marketing work.On the optimization countermeasures,to clearly define the credit support areas of focus;Innovation differentiated credit policy.Innovative service mode;Innovation development momentum of the existing credit policy optimization.Ultimately the bank branch in hefei provide theoretical basis for medium and long-term loan business development.