农业银行服务_三农_的问题研究【毕业论文】.doc

黑河农业银行服务“三农”的问题研究 [摘 要] 党中央、国务院高度重视“三农”问题,提出把解决“三农”问题作为全党和政府全部工作的重中之重。服务“三农”，是黑河农业银行一项长期、艰巨的历史任务。黑河农业银行服务“三农”符合国家宏观政策，符合黑河地域经济特点，符合黑河农业银行的业务经营实际，存在着客观必然性。为更好服务三农，现就黑河农业银行现状分析、存在的问题、总体思路和发展目标进行概括总结，以找到切实可行的解决方案。黑河农业银行通过采取“为农民工提供银行卡服务、提供网上银行服务、提供信贷服务”等项措施与政策支持，切实做好服务“三农”工作。“三农”问题关系到国家的长治久安。做好服务“三农”工作，必须切实把握思想观念、管理体制、运行机制、经营策略、服务产品、队伍建设以及风险管控等几个重大问题。只有这样，才能确保服务“三农”工作服务到位、风险可控和发展持续。 [关键词] 农业银行 服务 问题 Research on the Problems of Heihe Agricultural Bank of the “Three Rural”Service [Abstract] The Party Central Committee, the State Council attached great importance to the three rural issues, put forward to solve the three rural issues as a priority among priorities in all the work of the party and the government. Three rural, is a long-term, arduous historical task of Heihe agricultural bank. Heihe agricultural bank service three rural in line with the national macro policy, in line with the Heihe regional economic characteristics, in line with the Heihe Agricultural Bank of business practice, objective necessity. For better service to agriculture, we summarized present situation analysis of Heihe Agricultural Bank, existing problems, the overall train of thought and development goals, to find a feasible solution. Heihe Agricultural Bank by taking to provide bank card service, provide online banking services, to provide credit services measures and policy support for migrant workers, to do good service three rural work. Three rural issues related to the countrys long period of stability. Good service three rural problems, must grasp the idea, management system, operation mechanism, management strategy, service product, team building and risk control, several major issues. Only in this way, can we ensure that the service three rural service in place, risk control and sustainable development. [keyword] Agricultural Bank Serve Problem 目录 引言 1 一、现状分析 1 （一）黑河农业银行指标完成情况 1 （二）农户贷款业务稳步推进 2 （三）“百千工程”、“121工程”,法人资产业务有效发展 5 二、存在的问题 8 （一）农贷风险防控形势依然严峻 9 （二）小企业贷款发展艰难 9 （三）农贷管理水平需要