摘要
上市后中国农业银行服务"三农"绩效下降的主要表现为,中国农业银行的涉农贷款投放比例下降,对农户的信贷服务不足,县域吸收的存款的相当比例没有用于发放县域贷款。而上市后中国农业银行服务"三农"绩效下降的主要原因是县域金融业务的成本和不良贷款率偏高,而盈利水平偏低。文章针对以上问题和原因提出相应的政策建议。
After listed on the stock exchange,the performance of new rural financial service of the Agricultural Bank of China has declined. The proportion of the agriculture-related loans of the ABC is going down. The credit services to farmers are lack. A considerable proportion of the county deposits are not used to pay the county loans. The main reasons causing the declined performance of new rural financial service of the ABC include the high county financial business costs and non-performing loan ratio,and low profitability. To solve the above problems and causes,we put forward some policy suggestions.
出处
《华东经济管理》
CSSCI
2013年第9期105-110,共6页
East China Economic Management
基金
教育部2011年度"长江学者和创新团队发展计划"创新团队项目"西部地区农村金融市场配置效率
供求均衡与产权抵押融资模式研究"(IRT1176)
国家自然科学基金面上项目"西部农村金融市场开放度
市场效率与功能提升政策体系研究"(71073126)
2010年度高等学校博士学科点专项科研基金课题"我国农村小型金融机构试点运行绩效评价与支持政策研究"(20100204110030)
关键词
中国农业银行
三农
绩效
三农金融事业部
村镇银行
the Agricultural Bank of China
Sannong （rural area, agriculture and farmer）
performance
rural finance division
village bank
