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一、目前农发行信贷业务发展中存在的突出问题(一)信贷业务萎缩,资产质量不高。粮棉购销市场化之后迅速形成了购销主体多元化的格局。由于近年来农发行贷款对象局限于国有粮棉企业,业务出现萎缩。2004年底全国农发行贷款余额7189亿元,比1998年末下降200多亿元。同时因政策、市场诸多因素影响,不良贷款占到一半以上,无法正常周转使用。(二)业务分布失衡,机构设置不尽合理。目前主销区与产销平衡区不少地方机构设置与业务量脱节,有些地方除了挂账外,活资产已经很少,但机构、人员与费用难以压缩;有的地方业务发展迅速,但苦于没有机构,人员缺乏,信贷服务与监管难以到位,农发行作用发挥受到很大制约。
First, the current outstanding problems in the development of credit business ADB (A) credit business shrinking, asset quality is not high. Grain and Cotton market quickly formed after the purchase and sale of a diversified body pattern. In recent years, the Agricultural Development Bank loans are limited to the state-owned grain and cotton enterprises, business shrinking. By the end of 2004, the loan balance of China’s Agricultural Development Bank amounted to 718.9 billion yuan, down by more than 20 billion yuan over the end of 1998. At the same time, due to many factors such as policies and markets, non-performing loans accounted for more than half and could not be used normally. (II) unbalanced business distribution, institutional settings are not reasonable. At present, many local agencies are out of line with the business volume in the balance of production and sales area. In some places except livelihood accounts, there are few living assets but the organization, personnel and costs are hard to be compressed. Some local businesses are developing rapidly but suffer from no institutions , Lack of personnel, difficulty in providing credit services and supervision, and exerting great constraints on the role played by the Agricultural Development Bank.