商业银行破解家庭农场发展资金不足问题的研究--以徽商银行宿州分行为例
Study on Lack of Funds for the Developmento f Family Farms Solved by Commercial Bank-A Case Study of Suzhou Branch of Huishang Bank
侯兴华1
作者信息
- 1. 徽商银行总行系统开发部，安徽合肥230001
- 折叠
摘要
分析了家庭农场发展资金不足的主要表现，以徽商银行宿州分行为例，探索了商业银行破解家庭农场发展资金不足问题的主要做法，主要是共同推进家庭农场金融服务创新试点；建立家庭农场信用等级评价体系；制定与信用等级相应的信贷优惠政策；开展家庭农场信用等级评定和授信工作；创新开发金融信贷产品；创新完善贷款担保方式。提出了进一步解决家庭农场融资难题的对策建议：在乡镇设立徽商银行服务网点；加强农业信贷担保体系建设；扩大农业政策性保险提标扩面范围；调整市、县（区）两级政府年度考核内容。
Abstract
The main performances of lack of funds for the development of family farms were analyzed.With Suzhou Branch of Huishang Bank as an example, the main countermeasures for solving insufficient funds by commercial banks were explored: promoting family farm financial services innovation pilot;establishing family farm credit rating system;formulating credit discount policy corresponding to credit rating;carry-ing out credit rating work; developing financial credit products; perfecting loan guarantee ways.Several suggestions for further solving the problem of family farm financing were proposed:establishing Huishang Bank service outlets in towns and villages;strengthening the construc-tion of agricultural credit guarantee system; expanding agricultural policy insurance coverage; adjusting city, county ( district) two levels of government annual assessment content.
关键词
家庭农场/融资难题/金融支持Key words
Family farm/Financing problems/Financial support引用本文复制引用
出版年
2016
国家科技期刊平台
NSTL
维普
万方数据