Research Preferential Agricultural Loans Of The Agricultural Development Bank

Government loans as a type of policy-oriented financial products, is the national Government’s support and encouragement, to Government policy supporting agricultural projects for financial, a preferential credit interest rate subsidies, convenient and flexible security (collateral), relevant tax relief as the main characters, conducted in a specialized law and norms in kind of a policy loan.This by refers to of hono loan is refers to in my Government of support and encourages Xia, to Government policy sexual foster of agricultural project for financial object, to offers credit interest rate subsidies, convenient flexible of guarantees (mortgage) way, relief related tax for main features, in specifically legal of guarantees and specification Xia for of a special sexual loan species, to agricultural development Bank for cases, the line issued of grain and oil acquisition loan, and rural based facilities construction and agricultural development loan, and agricultural means loan, and Typical of agriculture small business loan government loans. Government loans as a policy loan, research benefiting the Agriculture Development Bank loans in question, this article will deal with both at home and abroad "policy loans","rural finance theory" conducted a study on the theory and practice to identify research thinking and framework of government loans.At present, agricultural release provide Hui nung loaned already changed the past sole support grain cotton oil buying and selling reserve service aspect, has formed take the grain cotton oil purchase credit as the main body, take agricultural industrial production credit and agricultural medium and long-term credit as auxiliary multi-positions, width domain supporting agriculture pattern.Hui nung loans the customer community covered basically all has been engaged in the agricultural production, the management and the processing business organization, for the national implementation macroeconomic regulation and control, guaranteed the country food security, provided the rural economy science and technology to need the fund, improved the fanner to receive, the promotion agricultural economy development has played the role which could not be substituted.Take the Yunnan agriculture release as the example, through analyzes this line of2009-2011year to provide the data which Hui nung loans, can see Hui nung loans also has some problems, for instance Hui nung loans the movement fund channel to be narrow, Hui nung loans the provide to find mercy the surface to be narrow, supports dynamics to the non-cooking oil enterprise to be insufficient, as well as Hui nung loans the movement the related system existence flaw.In view of question which appears, through the study model overseas some developed countries and the developing nation in view of policy-type agricultural credit some experiences and the procedure, proposed one by one consummates corresponding countermeasure which Hui nung loans, how mainly includes further consummates the Hui nung loan fund the collection channel,how expands Hui nung to loan find mercies the surface, how further constructs the standard Hui nung loan risk share mechanism, the enhancement credit system construction.