在当今精准扶贫的政策指引下，作为农村金融机构，且立足于服务三农的农
业银行已经将农民专业合作社信贷支持作为了一项重要工作。农行巴中分行作为
农业银行一级法人下的二级分行，从2014年开始支持农民专业合作社，让当地
的一些得到信贷资金支持的合作社成长壮大，经过两三年的发展也探索出了一条
属于自身发展的支持农民专业合作社的道路，然而，我们也清晰地认识到部分亟
需信贷资金支持的农民专业合作社却没有得到更多的信贷资金支持，融资不足仍
然成为了其发展的重要瓶颈
本文对农民专业合作社及其信贷支持的概念和基本内涵进行了阐述，引入农
民专业合作社金融支持的理论基础，形成一个理论框架，达到抛砖引玉作用。并
结合巴中市的基本情况和农行服务三农的实际，指出了农行巴中分行信贷支持农
民专业合作社发展的重要性以及贷款发展现状，通过对5家合作社的贷款情况的
梳理，总结出农行巴中分行农民专业合作社贷款主要运作模式和存在的问题。同
时，借鉴一些商业银行农民专业合作社贷款的成功案例，对农行巴中分行农民专
业合作社信贷支持的模式进行构想，以及对农行巴中分行的信贷管理体系进行了II
构想，提出了农行巴中分行信贷支持农民专业合作社的保障措施，达到商业银行
信贷支持合作社发展的共识，找到信贷支持合作社发展的方向
关键词：农行巴中分行；农民专业合作社；信贷支持III
Abstract
The country and governments always focus on and attach importance to three
rural issues.With economic globalization and profound agricultural reformation in
China,division of labour of rural economy has become more and more elaborate.
Disperse and single farmer as rural economic agents cannot meet the demands of the
current social development.Therefore,farmer professional cooperative occurs under
this circumstance.In recent years, farmers professional cooperative has gotten into a
new period of vigorous development.However, the creation and survival and
development of any cooperative need certain funds support.Farmer professional
cooperative is characterized by the weakness of financing assurance, the lack of fund
supply and the insufficiency of self-raised funds, whose development urgently
requires rural financial institutions finance support to effectively cover the shortage of
agricultural inborn economical weakness and solve the problem of financing
difficulty.
Under the guide of the current precise poverty relief policy, the Agricultural Bank
of China as rural financial institution and serving three rural issues has made the
credit and loan of farmer professional cooperative as important work.ABCBazhong
branch as ABC second-level branch has began to support farmer professional
cooperatives to help them develop since 2014.After several years ABC Bazhong
Branch has seek out methods supporting farmer professional cooperatives.However, it
is clearly understood that some farmer professional cooperatives urgently needing
financial support have not been given corresponding financial support. The financing
sufficiency has become the significant bottleneck.
This paper states the concepts and basic connotation of farmer professional
cooperative and credit support, introduces the theoretical basis of farmer professional
cooperative financial support, and finally forms a theoreticalIV
frameworkbiningwith Bazhong basic situation and the reality of three rural
issues serve of ABC,this paper indicates the importance of credit support from ABC
Bazhong Branch for farmer professional cooperatives&39; development and loan present
situation. The main operation modes and existing problems have been summarized by
analyzing fives farmer professional cooperatives loan.Meantime, by referring to
successful cases of farmer professional cooperatives loan of some commercial banks,
the farmer professional cooperative credit support modes for ABC Bazhong Branch
has been conceived and countermeasures and suggestions about farmer professional
cooperative credit support of ABC Bazhong Branch have been presented.Consensus
and directions about bank credit supporting the cooperatives&39; development have been
obtained.
Key words: ABC BazhongBranch Farmerprofeesional cooperative Credit
supportV
目录
1.绪论______________________________________________________________1
1.1研究背景_____________________________________________________1
1.2研究目的和意义_______________________________________________2
1.2.1研究目的________________________________________________2
1.2.2研究意义________________________________________________3
1.3国内外研究文献综述___________________________________________4
1.3.1国外研究文献综述________________________________________4
1.3.2国内研究文献综述________________________________________5
1.3.3本人对综述的评价________________________________________6
1.4研究内容和研究方法___________________________________________7
1.4.1研究内容________________________________________________7
1.4.2研究方法________________________________________________8
1.4.3研究的技术路线__________________________________________9
2.相关概念界定和理论基础___________________________________________10
2.1相关概念界定________________________________________________10
2.1.1农民专业合作社的概念___________________________________10
2.1.2信贷支持的含义_________________________________________11
2.2理论基础____________________________________________________12
2.2.1信息不对称理论__________________________________________12
2.2.2资本结构理论___________________________________________13
2.2.3企业金融成长周期理论___________________________________14
3.农行巴中分行农民专业合作社信贷支持现状分析_______________________16
3.1巴中市和农行巴中分行的基本概况______________________________16VI
3.1.1巴中市的发展历程________________________________________16
3.1.2农行巴中分行的发展历程_________________________________17
3.2农行巴中分行农民专业合作社信贷支持现状______________________17
3.2.1农行巴中分行农民专业合作社贷款发展的组织框架____________17
3.2.2农行巴中分行农民专业合作社信贷支持的总体要求____________19
3.2.3农行巴中分行农民专业合作社信贷支持的基本情况____________20
3.2.4农行巴中分行农民专业合作社信贷支持的模式_______________28
3.2.5农行巴中分行农民专业合作社信贷管理的机制_______________32
3.3农行巴中分行农民专业合作社贷款存在的问题____________________33
3.3.1思想认识不深入_________________________________________33
3.3.2政策运用不灵活_________________________________________33
3.3.3服务模式不多元_________________________________________34
3.3.4管理落实不到位_________________________________________34
4.农行巴中分行农民专业合作社信贷支持的总体构想_____________________36
4.1农行巴中分行农民专业合作社信贷支持的指导思想________________36
4.2农行巴中分行农民专业合作社信贷支持的总体原则________________36
4.3农行巴中分行农民专业合作社信贷支持的模式构想________________37
4.3.1“银行+多户联保+合作社+农户”运作模式__________________37
4.3.2“银行+合作社+政府增信+风险补偿基金+农户”运作模式_____39
4.4农行巴中分行农民专业合作社信贷管理的体系构想________________40
4.4.1优化信贷管理组织架构___________________________________40
4.4.2优化信贷审查审批机制___________________________________42
4.4.3优化信贷风险控制机制___________________________________42
5．农行巴中分行农民专业合作社信贷支持的保障措施____________________44
5.1强化观念更新________________________________________________44VII
5.2强化机制建设______________________________________________
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