Research On Commercial Loan Management Of Agricultural Development Bank Of China

Financial support for the new rural construction,the CPC Central Committee,State Council,expanding domestic demand,the significant growth in the deployment and effective measure is to promote the new situation an important aspect of rural reform and development and infrastructure protection.Support the expansion of domestic demand,strengthen the agricultural infrastructure,improvement of rural livelihood,China Agricultural Development Bank of responsibility.With the reform of grain and cotton market continued to deepen,the Agricultural Development Bank to support operations ranging from simple circulation of grain and cotton fields of production and processing and conversion,the loan objects from a simple state-owned grain enterprises to the development of enterprises of different ownership In the new phase of the Agricultural Development Bank to achieve sustainable development,in addition to unswervingly carry out policy loans outside,but also actively carry out the commercial loan business,to increase support for the "three rural" efforts.57 State Council executive meeting the policy requirements of the Agricultural Development Bank strict distinction between the business and commercial business,offering positive and prudent commercial lending business has become a matter of survival and development of the Agricultural Development Bank of the important issue.Relative to the policy-related business,the carrying out of commercial lending business is facing the situation is more complex and more acute conflicts,work harder,while inevitable in some areas of the existing operations with commercial banks to a certain extent of the cross.Meanwhile,China Agricultural Development Bank opened a commercial loan business has just started,the Agricultural Development Bank at all levels of the mode of operation in commercial loans,loan management,risk prevention and control,etc.need to actively explored.Based on the branch of China Agricultural Development Bank of the Ordos commercial loans offered by the current investigation,using qualitative and quantitative analysis method of combining in-depth study of the China Agricultural Development Bank of commercial loans in the external environment,internal management and loan objects and other aspects of the problem,identify the impact of the Agricultural Development Bank loans to commercial development of the main factors.At the same time for policy-oriented,government credit,credit management and credit risk control and other aspects of the detailed argument,and proposed solutions and strategies for the China Agricultural Development Bank of the development of commercial loans provide ideas,ways and means.