广西农发行水利建设信贷业务发展研究

发布时间：2018-01-07 01:38

本文关键词：广西农发行水利建设信贷业务发展研究　出处：《广西大学》2014年硕士论文　论文类型：学位论文

【摘要】：水利是作为国民经济和社会发展的重要公益性基础设施,在防洪、供水、粮食、经济和生态安全等方面具有不可替代的重要作用。由于广西水利长期滞后于经济发展,建设资金来源不稳定,水利基础设施建设仍然比较落后。2011年中央1号文件强调“水是生命之源、生产之要、生态之基”,明确了水利发展的战略定位；强调“在风险可控的前提下,支持农业发展银行积极开展水利建设中长期政策性贷款业务”,明确了农发行政策性金融支持水利建设的职能。广西水利“十二五”发展规划提出了980多亿的总投资规模,而中央及地方财政投入严重不足,因此迫切需要社会资金与银行信贷资金的投入。农发行作为唯一开办水利建设中长期政策性贷款的银行,重点发展水利建设中长期政策性贷款业务已写入该行“十二五”发展规划纲要。作为农发行的省级分行,支持广西水利建设,广西农发行责无旁贷。广西水利建设要实现跨越式发展,也迫切需要政策性水利建设贷款发挥重要作用。但从近年来该行水利建设信贷业务的发展情况来看,水利建设信贷增长速度远远落后于全国农发行以及广西近年来水利建设的发展水平,与广西水利建设旺盛的资金需求存在着较大的供需矛盾。如何在保证效益性与安全性的情况下,实现保本微利,充分发挥农业政策性银行信贷支水的职能,加大对广西水利建设的信贷支持,履行农业政策性银行的社会责任,是广西农发行急需解决的重要问题。本文首先介绍农发行水利建设信贷的特征和相关的政策,分析水利建设的现状,通过定量分析的方法,分析了水利信贷需求,对内部和外部环境进行深入研究,指出制约广西农发行水利建设信贷业务发展的主观和客观原因,最后对广西农发行水利建设信贷业务发展的提出相应的对策和建议。本文研究达到了预期的目的,为促进广西农发行水利建设信贷业务发展提供了具有一定参考价值的建议。
[Abstract]:Water conservancy is an important public welfare infrastructure for national economic and social development, in flood control, water supply, food. Because Guangxi water conservancy lags behind the economic development for a long time, the source of construction funds is unstable. Water conservancy infrastructure construction is still relatively backward. In 2011, the first document of the Central Committee stressed that "water is the source of life, production is the basis of ecology", clear the strategic position of water development; It is emphasized that "under the premise of controllable risks, the Agricultural Development Bank should be supported to actively carry out medium- and long-term policy loans for water conservancy construction". The function of the policy finance of the Agricultural Development Bank to support water conservancy construction is clarified. Guangxi water conservancy "12th Five-Year Plan" has put forward the total investment scale of more than 98 billion, while the central and local financial investment is seriously insufficient. Therefore, there is an urgent need for investment of social funds and bank credit funds. Agricultural Development Bank is the only bank that starts long-term policy loans for water conservancy construction. Key development of water conservancy construction medium- and long-term policy lending business has been included in the "12th Five-Year" development plan outline. As a provincial branch of the Agricultural Development Bank, support water conservancy construction in Guangxi. Guangxi Agricultural Development Bank is duty-bound. In order to realize the leapfrog development of water conservancy construction in Guangxi, it is also urgent to play an important role in policy-oriented water conservancy construction loans. But in recent years, the development of the bank's water conservancy construction credit business is considered. The growth rate of water conservancy construction credit lags far behind the development level of the National Agricultural Development Bank and Guangxi water conservancy construction in recent years. There is a big contradiction between supply and demand with the exuberant capital demand of Guangxi water conservancy construction. How to ensure the benefit of benefit and safety, and give full play to the function of agricultural policy bank credit supporting water. Increasing credit support for water conservancy construction in Guangxi and fulfilling the social responsibility of agricultural policy banks are important problems that Guangxi Agricultural Development Bank urgently needs to solve. This paper first introduces the characteristics and related policies of water conservancy construction credit, analyzes the current situation of water conservancy construction, and analyzes the demand of water conservancy credit through quantitative analysis. The internal and external environment is deeply studied, and the subjective and objective reasons for restricting the development of Guangxi Agricultural Development Bank's water conservancy construction credit business are pointed out. Finally, the paper puts forward the corresponding countermeasures and suggestions for the development of Guangxi Agricultural Development Bank's water conservancy construction credit business. This paper has achieved the expected purpose and provided some valuable suggestions for promoting the development of Guangxi Agricultural Development Bank's water conservancy construction credit business.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.31;F832.4;F426.91

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