I 摘要 农业、农村、农民问题历来都是关系国计民生的根本性问题。当前，农业、 农村、农民问题已经成为全国能否如期完成脱贫攻坚任务、决胜全面建成小康 社会的关键因素。实施乡村振兴战略，是党的十九大为解决农业、农村、农民 问题而提出的重大决策部署，是开展新时代农业、农村、农民工作的动力引擎 和着力点，是解决当前中国人民日益增长的美好生活需要与不平衡不充分发展 之间矛盾的客观需要。云南省既有面向“三亚”、对接“两洋”的独特地理位置特点， 又有克服“三区三州”和深度贫困的现实困难。作为云南省唯一的农业政策性金融 机构，践行使命支持农业、农村、农民工作与服务云南乡村振兴战略有机契合， 立足云南脱贫实际，研究农发行云南分行服务云南乡村振兴战略的战略选择， 一定程度上有助于发挥农发行政策性金融优势撬动政府资本有机协调引入云南 当前农业、农村、农民的现实需要中，为云南省农业农村社会经济发展提供金 融支撑。 在云南省乡村振兴战略的实施中，农发行云南分行提供了大量的信贷服务 和信贷资金支持，有效推动和促进了云南省乡村振兴战略的实施和推进。但是 从绩效管理的角度来讲，农发行云南分行在参与云南省乡村振兴的过程中，所 提供的信贷服务还存低效率的情况，无法有效的解决农村信贷的需求，也就是 所说信贷服务与信贷需求之间存在一定的偏差。基于此本文对基于乡村振兴背 景下农发行云南分行信贷绩效进行了分析和研究，在本文的研究中借助于问卷 调查方法归纳总结了云南省农发行绩效信贷中存在的问题和不足，具体包括： 从经营绩效的角度来讲，在信贷产品的创新，产品相对较为单一，无法满足乡 村振兴战略的要求，降低了其自身的盈利能力和盈利水平；违约率相对较高， 同时部分违约案例金额相对较大；市场占有率波动较大，大客户流失较为严重， 导致经营绩效水平无法得到有效的提升。从供给效率的角度来讲，抵押物的确 实导致信贷门槛较高；无法及时根据市场需求提供高效的信贷服务，导致政策 性绩效水平不高。从在社会效益方面来讲，农发行云南分行在乡村基础设施建 设、产业培育、攻坚脱贫方面有待进一步的改进。提出了提升农发行云南分行 信贷绩效的对策和建议，具体包括：从经营绩效的改进方面来讲，需要进一步 加快信贷产品的创新，发展多元化的信贷产品，加强政策性优势顶层设计规划， 摘要 II 强化风险管理水平。从信贷供给的角度来讲，需要创新信贷模式，扩大抵押范 围，通过强化市场预测来提高信贷供给的效率。从社会经济效益的角度来讲， 创新产业发展模式提升经济效益；通过精准信贷的实施助推扶贫攻坚；加强和 强化基础设施建设，推动和促进乡村现代化发展。通过以上的各种措施，在确 保政策性目标实现的基础上提升农发行云南分行的盈利能力和盈利水平，从总 体上提升在参与形成振兴中信贷绩效水平。 关键词：农发行云南分行；乡村振兴；信贷绩效；绩效管理 Abstract III Abstract Theissuesofagriculture,ruralareas,andfarmershavealwaysbeenfundamental issuesrelatedtonationaleconomyandpeople'slivelihood.Atpresent,theissuesof agriculture,ruralareasandfarmershavebecomethekeyfactorsforthenationto completethetaskofpovertyalleviationasscheduledandtowinacomprehensively well-offsociety.Implementingthestrategyofruralrevitalizationisamajor decision-makingplanproposedbythe19thNationalCongressoftheCommunist PartyofChinatosolvetheproblemsofagriculture,ruralareas,andfarmers.Itisthe drivingforceandfocusofagricultural,rural,andpeasantworkinthenewera.Itis thesolutiontothecurrentgrowingChinesepeople.Theobjectiveneedfora contradictionbetweentheneedforabetterlifeandanimbalancedandinsufficient development.YunnanProvincenotonlyhastheuniquegeographicalcharacteristics offacing"Sanya"anddockingwith"TwoOceans",butalsohasthepractical difficultiesofovercoming"ThreeDistrictsandThreeStates"anddeeppoverty.Asthe onlyagriculturalpolicyfinancialinstitutioninYunnanProvince,itfulfillsitsmission tosupportagriculture,ruralareas,andfarmers’workinharmonywiththestrategyof servingYunnan’sruralrevitalization.Toacertainextent,itwillhelptoplaythepolicy financialadvantagesoftheAgriculturalDevelopmentBankandleveragetheorganic coordinationofgovernmentcapitaltointroducethecurrentrealneedsofagriculture, ruralareasandfarmersinYunnan,andprovidefinancialsupportfortheagricultural andruralsocialandeconomicdevelopmentofYunnanProvince. IntheimplementationoftheYunnanRuralRenewalStrategy,theAgricultural DevelopmentBankofChinaYunnanBranchprovidedalargeamountofcredit servicesandcreditfundsupport,whicheffectivelypromotedandpromotedthe implementationandpromotionoftheYunnanRuralRenewalStrategy.However, fromtheperspectiveofperformancemanagement,intheprocessofparticipatingin theruralrevitalizationofYunnanProvince,theAgriculturalBankofChinaYunnan Branchprovidedcreditservicesthatwerestillinefficientandcouldnoteffectively addresstheneedsofruralcredit,whichiscalledcreditservicesThereisacertain Abstract IV deviationfromthecreditdemand.Basedonthis,thispaperanalyzesandstudiesthe creditperformanceoftheAgriculturalDevelopmentBankofChinaYunnanBranch underthebackgroundofruralrevitalization.Inthisstudy,thequestionnairesurvey methodisusedtosummarizetheproblemsanddeficienciesintheperformanceof YunnanAgriculturalDevelopmentBank'sperformancecredit,including:Fromthe perspectiveofbusinessperformance,intheinnovationofcreditproducts,the productsarerelativelysingle,unabletomeettherequirementsoftherural revitalizationstrategy,reducingitsownprofitabilityandprofitability;thedefaultrate isrelativelyhigh,andtheamountofsomedefaultcasesisrelativelyLarger;the marketsharefluctuatesgreatly,andthelossoflargecustomersismoreserious, resultinginaninabilitytoeffectivelyimprovethelevelofoperatingperformance. Fromtheperspectiveofsupplyefficiency,collateraldoesindeedleadtoahigher creditthreshold;unabletoprovideefficientcreditservicesinatimelymanner accordingtomarketdemand,resultinginalowlevelofpolicyperformance.Interms ofsocialbenefits,theAgriculturalDevelopmentBankofChinaYunnanBranchhas madefurtherimprovementsinruralinfrastructureconstruction,industrialcultivation, andtacklingpovertyalleviation.Putforwardcountermeasuresandsuggestionsto improvethecreditperformanceoftheAgriculturalDevelopmentBankofChina YunnanBranch,specificallyincluding:fromtheaspectofimprovingbusiness performance,itisnecessarytofurtheracceleratetheinnovationofcreditproducts, developdiversifiedcreditproducts,strengthenpolicysuperioritytop-leveldesign planning,strengthenRiskmanagementlevel.Fromtheperspectiveofcreditsupply,it isnecessarytoinnovatethecreditmodel,expandthescopeofcollateral,andimprove theefficiencyofcreditsupplybystrengtheningmarketforecasts.Fromthe perspectiveofsocialandeconomicbenefits,innovativeindustrialdevelopment modelsimproveeconomicbenefits;promotethepromotionofpovertyalleviation throughtheimplementationofprecisioncredit;strengthenandstrengthen infrastructureconstructiontopromoteandpromotethedevelopmentofrural modernization.Throughtheabovemeasures,onthebasisofensuringthe achievementofpolicyobjectives,theprofitabilityandprofitabilityoftheAgricultural DevelopmentBankofChinaYunnanBranchwillbeimproved,andtheoverallcredit Abstract V performancelevelintheformationoftherevitalizationofparticipationwillbe improved. Keywords:AgriculturalDevelopmentBankofChinaYunnanBranch;Rural Revitalization;CreditPerformance;PerformanceManagement 目录 VI 目录 摘要......................................................................................................I Abstract..............................................................................................III 第一章绪论.....................................................................................1 第一节研究背景和意义...........................................................................1 一、研究背景................................................................................................................1 二、研究意义................................................................................................................2 第二节国内外文献综述...........................................................................3 一、国外文献综述........................................................................................................3 二、国内文献综述........................................................................................................5 三、国内外研究述评和启示........................................................................................8 第三节研究内容与方法.........................................