-I- 中文摘要 为促进农业经济平稳、有序发展，合理配置各项农业经济资源，我国成立了 中国农业发展银行，在其产生发展的二十六年以来，对我国“三农”领域的发展 做出了突出贡献。在筹措农村发展资金方面，农发行黑龙江省分行对于贯彻国家 农业产业政策、维护地区粮食稳定、增加农民收入发挥了重要作用。但是，随着 我国金融体制改革以及粮通体制改革的不断深化，农发行黑龙江省分行的发展也 面临新的机遇和挑战。本文通过对农发行经营现状的研究，以及与国外其他政策 性金融机构的比较，深刻把握农业政策性金融发展规律，找到农发行黑龙江省分 行在新的形势下如何发展业务、提高竞争能力，并结合目前发展现状进行深入分 析。通过运用SWOT分析方法，对农发行黑龙江省分行在面临内外部竞争环境和竞 争条件的态势如何摆脱困境，在深入贯彻国家政策的前提下实行差异化发展战略， 进行有效发展。 关键词：政策性银行；农发行黑龙江省分行；战略 中文摘要 -II- Abstract In order to promote the stable and orderly development of the agricultural economy and the rational allocation of various agricultural economic resources, China has set up the Agricultural Development Bank of China, which has made outstanding achievements in the development of the "agriculture, rural areas, and farmers" in the 26 years since its development. contribution. In raising funds for rural development, the Agricultural Development Bank of Heilongjiang Branch played an important role in implementing national agricultural industry policies, maintaining regional food stability, and increasing farmers' income. However, with the continuous deepening of the reform of China's financial system and the reform of the food system, the development of Heilongjiang Branch of the Agricultural Development Bank also faces new opportunities and challenges. Based on the research on the current situation of agricultural development and comparison with other foreign policy financial institutions, this paper profoundly grasps the development rules of agricultural policy financial, and finds out how the agricultural development Heilongjiang Branch develops its business and enhances its competitiveness in the new situation. An in-depth analysis is made in light of the current development status. By applying the SWOT analysis way, how to get rid of the predicament of the Agricultural Development Bank of Heilongjiang Branch in the face of internal and external competition environment and conditions, implement a differentiated development strategy and implement effective development under the premise of in-depth implementation of national policies. Keywords：Agricultural policy bank; The Agricultural Development Bank of Heilongjiang Branch: Strategy 目录 -III- 目录 中文摘要...........................................................................................................................I Abstract...........................................................................................................................II 绪论..................................................................................................................................1 一、研究的背景................................................................................................1 二、研究的目的和意义....................................................................................1 三、国内外研究现状........................................................................................2 四、研究内容与研究方法................................................................................3 第一章 概念界定及相关理论........................................................................................5 第一节 概念界定.....................................................................................................5 一、战略的内涵................................................................................................5 二、农业政策性银行........................................................................................5 三、SWOT分析方法........................................................................................6 第二节 相关理论.....................................................................................................7 一、发展战略理论............................................................................................7 二、竞争战略理论............................................................................................7 本章小结...................................................................................................................8 第二章 农发行黑龙江省分行发展现状及环境分析....................................................9 第一节 农发行黑龙江省分行简介.........................................................................9 一、成立背景....................................................................................................9 二、农发行黑龙江省分行主要业务和发挥的作用........................................9 第二节 农发行黑龙江省分行发展现状...............................................................10 一、农发行黑龙江省分行财务经营状况......................................................10 二、农发行黑龙江省分行与同业的比较......................................................13 第三节 内部环境分析...........................................................................................13 一、组织机构设置..........................................................................................13 目录 -IV- 二、法人治理结构..........................................................................................14 三、风险防范机制..........................................................................................14 第四节 外部环境分析...........................................................................................14 一、宏观环境分析..........................................................................................14 二、行业环境分析..........................................................................................16 本章小结.................................................................................................................16 第三章 农发行黑龙江省分行现有战略分析..............................................................17 第一节 农发行黑龙江省分行现有战略概况.......................................................17 一、粮油收购等传统信贷业务仍然是资金主要投向..................................17 二、大力发展以购销储贷款为主的贷款业务..............................................17 三、存款组织长期依赖拨补性资金的自然增长..........................................18 四、业务发展主要依靠政策优势..................................................................18 第二节现有战略存在的问题.................................................................................18 一、业务萎缩导致功能弱化..........................................................................18 二、资产与负债约束失衡..............................................................................23 三、资金可持续发展不足..............................................................................24 四、信贷资产结构不合理..............................................................................24 五、风险管理不完善......................................................................................24 第三节 国外农业政策性银行的战略借鉴...........................................................25 一、国外政策性银行的概况..........................................................................25 二、国外政策性银行的战略借鉴..................................................................26 本章小结.................................................................................................................28 第四章 农发行黑龙江省分行发展战略优化选择......................................................29 第一节 农发行黑龙江省分行SWOT分析..........................................................29 一、农发行黑龙江省分行的优势..................................................................29 二、农发行黑龙江省分行的劣势...................................................