摘要

2007年,中国银行业监督管理委员会批准N银行广西壮族自治区分行开办农村基

础设施建设贷款项目。2012年年末,N银行区分行客户三部条线累计投放支持农村基础设施

建设贷款余额333. 7亿元,占全行贷款总量的58. 4%。其中支持收储农村土地1.6万亩,置换

出建设用地面积2030亩,整治村庄36个,土地出让金返还和土地整治收益36亿元,取得显

著支农成效。农村基础设施建设对促进农业生产,提高农民生活水平,实现农民增收有着

重要的作用。近些年农村基础设施建设资金投入与资金需求比较,缺口明显,由于政府

财政资金有限且商业性金融机构趋利的经营理念使其较少能介入农村基础设施建设领

域,因此N银行的农村基础设施建设信贷业务则显得尤为重要。

本文运用农业政策性金融基础理论’阐述了政策性金融的职能,特征和内涵,进而分析

N银行的职能定位,业务特征。同时阐述了N银行广西区分行开展农村基础设施建设业

务的历程和现状,从承贷主体资格方面,贷款担保方面,办贷流程方面,贷后管理方面

阐述N银行农村基础设施建设贷款存在的问题,并从政策制度方面,办贷机制方面,承

贷主体自身方面分析存在问题的原因,提出以下对策建议:进行重组改造,调整定位;

加强政策性银行立法和金融监管;进行市场化筹资,拓宽资金来源;引入政策性担保,

完善风险补偿机制;深化内部改革,优化办贷流程;增强贷后管理,提高支农成效。使

N银行广西区分行既能执行其政策性银行的职能也能更好地促进自身的可持续发展。

关键词:农村基础设施建设;业务问题;对策建议

THE STUDY ON AIC CREDIT BUS I NESS PROBLEMS IN RURAL AREAS FOR

THE N BANK GUANGXI BRANCH

ABSTRACT

The N Bank Guangxi branch was established in 1997,and its scope of business has

expanded constantly. Its establishment of agricultural infrastructure loan was approved by the

China Banking Regulatory Commission in 2007. At the end of 2012, the N Bank GUANGXI

branch has supported 33370 million yuan accumulated on the agriculture infrastructure loans,

accounting for 58.4% of the total bank loan. The support for the land purchasing and storage

has attached 1067 hectares, the replacement of area has reached 135 hectares, and renovation

for 36 villages. The return of land leasing and land income has reached 3600 million yuan.

The N Bank has achieved remarkable results for agriculture.

This paper first summarizes the agricultural policy finance,the policy finance function,

meaning and characteristics, and analyzes the fixnctions and the business characteristics of the

N Bank. At the same time, it presents the history and present situation of the N bank Guangxi

branch on carrying out agricultural infrastructure construction business. It also analyzed the

reasons of the business development, including the main qualifications, loan guarantees, the

loan process, post-loan management. It inquires the reason from the policy system and the

running mechanism of loan, and put forward the following suggestions: restructure and

reform the system, adjust the positioning, strengthen the legislation of bank policy and

financial supervision, market finance, broaden the sources of fimding,introduce the policy

guarantee, improve the risk compensation mechanism, deepen the internal reform,

optimization credit process, strengthen post-loan management, improve the supporting effect.

According to above suggestions the N bank Guangxi branch can perform the functions of

policy banks better and promote its sustainable development.

KEY WORDS: Rural infrastructure construction; business problems;

Countermeasure and suggestion