農(nóng)村信貸市場(chǎng)風(fēng)險(xiǎn)管理

RuralCreditMarketRiskManagement

農(nóng)村信貸市場(chǎng)風(fēng)險(xiǎn)管理PresentedbyZijuanCao1Outlines主要內(nèi)容MainChallengesinChina’sRuralFinancialSystem

中國(guó)農(nóng)村金融體系及目前面臨的主要問(wèn)題OutlinestoManagetheRuralCreditRiskinChina

中國(guó)加強(qiáng)農(nóng)村信貸風(fēng)險(xiǎn)管理的基本思路MeasuresandExperiencesinManagingtheRuralCreditRisk

中國(guó)在管理農(nóng)村信貸風(fēng)險(xiǎn)方面的探索和經(jīng)驗(yàn)2

MainChallengesinRuralFinancialSystem

中國(guó)農(nóng)村金融體系及目前面臨的主要問(wèn)題

theRuralFinancialSysteminChinaInabouttenyears’developments,theruralfinancialsystemhasbeenformulated,basedonthecooperativefinance,withcommercialfinanceandpolicyfinanceperformingtheirowndutiesandcooperatingwitheachother.中國(guó)農(nóng)村金融體系經(jīng)過(guò)十多年的發(fā)展，中國(guó)已經(jīng)初步形成了以合作金融為基礎(chǔ)，商業(yè)金融、政策金融分工協(xié)作的農(nóng)村金融體系。

3MainChallengesinRuralFinancialSystem

中國(guó)農(nóng)村金融體系及目前面臨的主要問(wèn)題MainChallengesinChina’sRuralFinancialSystem

中國(guó)農(nóng)村金融體系面臨的主要問(wèn)題

Firstly,alargeamountofdepositsintheruralareaflowstothecity.

一是在縣域經(jīng)濟(jì)的存款市場(chǎng)上，資金外流問(wèn)題比較嚴(yán)重。

4MainChallengesinRuralFinancialSystem

中國(guó)農(nóng)村金融體系及面臨的主要問(wèn)題

Secondly,thevolumeofloaninruralarea,extendedbythecommercialbanksandpolicybanks,isnotenoughtomeettheneed.Cooperativefinanceinstitutionsmakemoreloanthanbefore,butcannotprovidesustainableservices.

二是在縣域經(jīng)濟(jì)的貸款市場(chǎng)上，商業(yè)銀行和政策性銀行投入力度不夠，合作金融機(jī)構(gòu)貸款投放有所增加，但后勁不足。5

OutlinestoManagetheRuralCreditRiskinChina中國(guó)加強(qiáng)農(nóng)村信貸風(fēng)險(xiǎn)管理的基本思路

theRuralCreditCooperatives農(nóng)村信用合作社Innovationsinruralfinancialproductsandservices農(nóng)村金融產(chǎn)品和服務(wù)方式創(chuàng)新State-ownedbank;AgricultureDevelopmentBankofChina.國(guó)有商業(yè)銀行;中國(guó)農(nóng)業(yè)發(fā)展銀行Ruralfinancialmarket

withmoderatecompetition適度競(jìng)爭(zhēng)的農(nóng)村金融市場(chǎng)governmentfinanceperformsitsfunctions發(fā)揮財(cái)政資金作用VillageandTownBank,LoanCompany,RuralMutualCooperative,

MicroloanCompany.村鎮(zhèn)銀行，貸款公司，農(nóng)村資金互助社，小額貸款公司Promotingcapitaltoflowbacktotherural促進(jìn)農(nóng)村資金回流6MeasuresandExperiencesinManagingtheRuralCreditRisk

中國(guó)在管理農(nóng)村信貸風(fēng)險(xiǎn)方面的探索和經(jīng)驗(yàn)Oneofthemistopushtheinnovationsintheruralfinancialinstitutionswhichincreaseruralfinancialsystem’sriskprevention,anddispersetherisksefficiently.

一是推動(dòng)農(nóng)村金融服務(wù)組織創(chuàng)新，進(jìn)一步提高了農(nóng)村金融體系的抗風(fēng)險(xiǎn)能力，有效分散農(nóng)村信貸風(fēng)險(xiǎn)。

7MeasuresandExperiencesinManagingtheRuralCreditRisk

中國(guó)在管理農(nóng)村信貸風(fēng)險(xiǎn)方面的探索和經(jīng)驗(yàn)Date時(shí)間Institutions金融機(jī)構(gòu)Reform改革內(nèi)容2003TheRuralCreditCooperatives(Rccs)

農(nóng)村信用社RCCs’sreformhasbeenimplementedwithpropertyinstitution’reform,issuingspecialbillsandgrantingspecialloantosolvetheproblemsaccumulated.

實(shí)施產(chǎn)權(quán)制度改革，完善治理結(jié)構(gòu)，發(fā)行專(zhuān)項(xiàng)票據(jù)和專(zhuān)項(xiàng)資金，化解歷史包袱2005TheMicroloanCompanyPilot

小額貸款公司試點(diǎn)MicroloanCompany,onlyprovidingloanservicesandnodepositservices,hasbeenestablishedtoincreasethevolumeofthecreditservice.

試點(diǎn)成立“只貸不存”的小額貸款公司，為“三農(nóng)”提供貸款服務(wù)8MeasuresandExperiencesinManagingtheRuralCreditRisk

中國(guó)在管理農(nóng)村信貸風(fēng)險(xiǎn)方面的探索和經(jīng)驗(yàn)Date時(shí)間Institutions金融機(jī)構(gòu)Reform改革內(nèi)容2006ThePilotofNewTypeofRuralFinancialInstitutions新型農(nóng)村金融機(jī)構(gòu)試點(diǎn)VillageandTownBank,LoanCompany,RuralMutualCooperativehavebeenestablishedbyadjustingandrelaxingthepolicesontheaccessofbankingpilotfinancialinstitutionstotheruralareas降低農(nóng)村金融機(jī)構(gòu)準(zhǔn)入門(mén)檻，試點(diǎn)成立村鎮(zhèn)銀行、貸款公司和農(nóng)村資金互助社2007ThePostalBankofChina中國(guó)郵政儲(chǔ)蓄銀行ThePostalBankofChinastartsaccordingtotheschemeaboutreformingthePostInstitutions.貫徹落實(shí)國(guó)家郵政體制改革方案，成立中國(guó)郵政儲(chǔ)蓄銀行9MeasuresandExperiencesinManagingtheRuralCreditRisk

中國(guó)在管理農(nóng)村信貸風(fēng)險(xiǎn)方面的探索和經(jīng)驗(yàn)Anotheristhatinnovationsinruralfinancialproductsandservicesareguidedandencouragedtolowthedefaultrisk.

二是積極引導(dǎo)銀行業(yè)金融機(jī)構(gòu)創(chuàng)新農(nóng)村信貸產(chǎn)品和服務(wù)方式，降低貸款的信用違約風(fēng)險(xiǎn)。

10MeasuresandExperiencesinManagingtheRuralCreditRisk

中國(guó)在管理農(nóng)村信貸風(fēng)險(xiǎn)方面的探索和經(jīng)驗(yàn)

SmallCreditLoan

小額信用貸款TheTypeofLoanWiththeLeadingEnterprisesinAgricultureIndustrializationPlusPeasants

“農(nóng)業(yè)產(chǎn)業(yè)化龍頭企業(yè)+農(nóng)戶(hù)”的信貸模式11MeasuresandExperiencesinManagingtheRuralCreditRisk

中國(guó)在管理農(nóng)村信貸風(fēng)險(xiǎn)方面的探索和經(jīng)驗(yàn)Thelastistopromotetheinnovationsinruralfinancialmechanism.

三是推動(dòng)農(nóng)村金融機(jī)制創(chuàng)新

12MeasuresandExperiencesinManagingtheRuralCreditRisk

中國(guó)在農(nóng)村信貸風(fēng)險(xiǎn)管理方面的探索和經(jīng)驗(yàn)

Ruralcreditcostishigherandriskislargerthanthoseofotherindustries,soitisimpossibleforthebankstoaffordtherisksbythemselv