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本课题组调查研究的结论为,所调查年度农村金融机构约占存款三分之一的信贷资金为净流出,其流出方式有三种:一是集中式流出,表现为农村金融机构系统内约期上存资金;二是转移式流出,表现为邮政储蓄机构转存款等;三是投资性流出,表现为运用信贷资金购买国债等有价证券。农村金融机构各项贷款余额中约有三分之一形成呆坏账,信贷资金不能参加正常的周转,信贷支农作用明显减弱。信贷资金回流农村的路径设计为构建四个机制:中央银行的调节机制,经济杠杆的引导机制,金融企业内部的利益,分配机制和农业信贷投入的风险补偿机制。
The research group concluded that the surveyed rural financial institutions accounted for about one-third of the deposits of credit funds as a net outflow, there are three outflow ways: First, the centralized outflow, the performance of the rural financial institutions within the system period On the deposit of funds; second is the transfer of outflows, the performance of the Postal Savings Deposit transfer; third is the outflow of investment, the performance of the use of credit funds to buy bonds and other securities. About one-third of all loans in rural financial institutions have bad loans, credit funds can not participate in normal turnover, and credit support for agriculture has obviously weakened. The return of credit funds to rural areas is designed to construct four mechanisms: the regulatory mechanism of the central bank, the guiding mechanism of economic levers, the internal interests of financial enterprises, the distribution mechanism and the risk compensation mechanism for agricultural credit investment.