The Support And Risk Prevention And Control Of The County Economy By The Grass Roots Policy Banks Agricultural Development Bank As An Example

The central focus for 13 consecutive years No.1 document on the "three rural" issue,especially for "urban-rural integration" development made important instructions.At present,the degree of "urban-rural integration" With the development of China’s economic development level of each county presents travel the opposite,economic strength of the county "urban-rural integration," the degree of development of faster and more mature,and economically weaker counties "integrated urban and rural" development is the progress more slowly."Urban-rural integration" development always put the protection of farmers’ rights in the first place,to speed up the adjustment of industrial structure in urban and rural areas under this precondition,optimize rural industrial layout,and create mutually beneficial bridge between urban and rural areas.Agricultural Development Bank of China as a national policy bank,its functions is to serve the "three rural",the core business is supported around the cotton and oil acquisition,but as the No.1 central document focused on continuous "three rural" issue,pointed out that we should focus on doing good "urban-rural integration" development.How do the "urban-rural integration" development,enhance the county’s economic development,has become a problem county government focus,financial factor inputs is extraordinarily interesting.Agricultural Development Bank of China to seize the opportunities in transition,according to the central deployment requires the full support of the county regional economic development,and signed by the Ministry of Transport "full support rural transport building strategic cooperation framework agreement" with the Ministry of Water Resources,Department of Housing,the Ministry of Forestry issued a joint document give full play to the role of agricultural policy finance,to further strengthen cooperation,to expand its business to support local infrastructure construction,water conservancy construction in shantytowns,in the field of major water conservancy construction special bridge loan and work together to support economic development in rural areas work,power to win tough fight poverty out of poverty.And the establishment of China Agricultural Development key construction fund,fund shares to participate counties zones.In this paper,Lean County economic development,for example,through theoretical analysis,case studies explore the Agricultural Development Bank to support Lean County Branch County economic development and existing problems andEmpirical Analysis.The article first analyzes the Lean County branch of the Agricultural Development Bank business development;secondly analyzes the Lean County economic development,then use the investment branch of the Agricultural Development Bank project loans Lean County data,Lean County GDP data by Cobb-Douglas(Cobb-Douglas)production empirical research methods function to create models,objective analysis of the impact of the music branch of the Agricultural development Bank Lean County economic development;and then through a combination of theory County economic development,financial support for economic development theory,policy banks to support local economic development theory music and other content analysis of the Agricultural development Bank branch County support County music played in the economic development and the role of problem.Finally,the Agricultural Development Bank to support Lean County Branch County economic development of recommendations for improvements.First,due to the longer term project loans,the loan period,the principal leaders of the government after the general,possible policy discontinuity risk,need to pay close attention.The second is the construction of the project in strict accordance with the requirements of the project construction program management,branch of the Agricultural Development Bank should be regularly Lean County master project schedule,regular communication and contact and supervisor,according to plan for the construction schedule,construction quality is the standard implementation to be confirmed ensure project quality.Third,according to the regulatory requirements of credit funds,signed a "project regulatory agreement." The use of funds to implement the project account management,strengthen the management of project funds,the strict use of credit funds,to ensure that funds earmarked,and to prevent the risk of misappropriation of funds.The fourth is supported by the state to undertake the project company,in order to pre-fund the use of the form of shares,maturity repurchase manner by increasing project capital injected into the company’s paid-up capital of the company to undertake the project so that the project company to undertake a more adequate funding the operation of the project.Five is the best use of supplementary mortgage loans(PSL)new monetary policy tools.Supplementary mortgage loans(PSL)has a long term,low interest ratecharacteristics of the current execution rate than the People’s Bank of China more than5-year benchmark lending rate in fixed assets and more than 15%.Use supplemental mortgage loans(PSL)will further enhance the Agricultural Development Bank,Agricultural Development Bank,especially at the grassroots level in support of the county’s economic development policy and functional role.This paper uses literature analysis,case studies,research County Economic Development Theory empirical analysis,analysis of the financial impact of the county economic development factors set forth policy banks to support local economic development situation and the main problems.Finally,binding studies to support domestic financial model of economic development,the grass-roots policy bank better Branch County Economic Development to propose a solution.