江都农商行涉农信贷产品及其服务研究

【作者】 郑翔；

【导师】 邢大伟；

【作者基本信息】 扬州大学 ， 工商管理硕士（MBA）（专业学位）， 2018， 硕士

【摘要】 “三农”工作能否做好关系着我国整体经济和社会的发展。农村商业银行(简称农商行)作为农村金融工作主力军,在支持“三农”工作方面一直扮演者十分重要的角色。当前农村战略给农商行带来了前所未有的机遇和挑战。机遇在于农村经济结构调整和资源配置的过程中,土地、资金、劳动力等生产要素的重新组合催生了巨大的金融新需求。挑战则是缘于农村经济发展的日新月异带来的服务理念、管理思路的革新鼎故,迫使农商行要彻底改变旧思维、老路子,破除“路径依赖”,敢于“破旧立新”,真正将“支农”这篇大文章做精、做优。本文以江都农村商业银行(以下简称江都农商行)为例,主要研究其在开展商务转型前后所提供的涉农信贷产品与服务情况,并以目前正在开展的“整村授信”为例,进行实证分析。同时,对江都区涉农信贷需求与效率进行分析,调研了江都区某乡镇585户农户,以及部分农业龙头企业、家庭农场以及农民专业合作社等涉农企业和各类涉农组织,并建立了协整检验模型,探究了涉农信贷投入对农村经济发展的促进作用。结合上述分析,指出了江都农商行当前涉农信贷产品与服务存在的问题,主要有涉农信贷产品创新能力不足、涉农信贷流程不够规范、贷款获得率仍不高、部分客户经理仍存在惜贷心理等,并进而分析了产生这些问题的原因。最后,尝试提出进一步优化涉农信贷产品与服务的对策和建议。从外部政策出发,需要从解决贷款担保难、引导企业转型发展、银政合作处置不良资产、推进信用体系建设等方面给予农商行大力支持。从江都农商行自身建设出发,主要有六点措施:一是加大涉农信贷投放力度,加快产品创新步伐,如针对农村种养殖大户、家庭农场主、专业合作社等推出“种植贷”;二是从完善服务渠道、推进分层服务、强化“一站”服务入手,切实提升服务质效;三是进一步丰富“整村授信”内涵,全力打造农户批发授信和手机自助贷的小额信贷品牌;四是强化供需双方的沟通交流,及时了解农业主体资金需求情况;五是加强队伍建设,锻造一支专业、敬业的客户经理队伍来满足农村市场的金融服务需求;六是协同推进农村信用体系建设。更多还原

【Abstract】 Whether the work of "agriculture,rural areas and farmers" can be well related to the overall economic and social development of our country.Rural commercial banks(abbreviated as agricultural commercial banks)as the main force of rural financial work,have been playing a very important role in supporting the "three rural" work.The current rural strategy has brought unprecedented opportunities and challenges to rural commercial banks.Opportunities lie in the process of rural economic restructuring and resource allocation,the rearrangement of land,capital,labor and other factors of production has given rise to huge new financial needs.The challenge is due to the innovation of service concept and management thought brought about by the rapid development of rural economy,forcing the agricultural and commercial banks to completely change the old thinking and old way,break the "path dependence",dare to "break the old and establish the new",and really do a good job of "supporting agriculture".Taking Jiangdu Rural Commercial Bank(Jiangdu Agricultural Commercial Bank)as an example,this paper mainly studies the agricultural credit products and services provided by Jiangdu Rural Commercial Bank before and after the business transformation,and makes an empirical analysis with the current "whole village credit" as an example.Then,the paper analyzes the demand and efficiency of agricultural credit in Jiangdu District,investigates 585 rural households,some leading agricultural enterprises,family farms and farmers’professional cooperatives,and establishes a co-integration test model to explore the impact of agricultural credit input on rural economic development.The promotion effect.Based on the above analysis,this paper points out the problems existing in the agricultural credit products and services of Jiangdu Agricultural Commercial Bank,such as the lack of innovative ability of agricultural credit products,the lack of standardized agricultural credit processes,the low rate of loan acquisition,and the reluctance of some customer managers to lend,and then analyzes the reasons for these problems.Finally,it tries to put forward some countermeasures and suggestions for further optimizing agricultural credit products and services.Starting from the external policy,it is necessary to give the Agricultural and Commercial Banks strong support in resolving the difficulty of loan guarantee,guiding the transformation and development of enterprises,dealing with non-performing assets through cooperation between banks and governments,and promoting the construction of credit system.Starting from the self-construction of Jiangdu Agricultural and Commercial Bank,there are six main measures:first,to increase the intensity of agricultural credit and accelerate the pace of product innovation,such as the introduction of "planting loans"for large farmers,household farmers and professional cooperatives in rural areas;second,to improve service channels,promote stratified services,and strengthen the "one-stop" service.Beginning with,enhance the service quality and efficiency earnestly;third,further enrich the connotation of "whole village credit" and make every effort to create the brand of micro-credit for farmers’wholesale credit and mobile phone self-help loan;fourth,strengthen the communication and exchange between the supply and demand sides,timely understand the capital needs of the agricultural main body;fifth,strengthen the team building,forge a professional and dedicated work.Customer managers to meet the needs of the rural market for financial services;6 is to coordinate the promotion of rural credit system construction.更多还原