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一农业发展银行必须支持农业产业化,且应起主导作用,但目前存在如下问题需探讨解决。(一)信贷资金投入分散。投入的小而全、散而全,既不利于农发行集约经营,也不利于提高项目的规模效益。以通山县为例,共实施农业开发项目66个,贷款总额4720万元,平均每个项目72万元。项目涉及9个部门17个乡镇,门类繁多,品种庞杂,资金的平均化分散使用,导致产品无优势,形不成支柱产业。单个项目的经营效益不佳,制约了信贷资金的效益。(二)项目布局缺乏连续性,形不成产业链。项目选择重新建,轻续建,缺乏按产业链的思想指导项目建设与布局,使得项目之间断续间隙大,互相吸纳能力小,相关连度小。(三)重生产、轻加工,加工企业项目成
An agricultural development bank must support agricultural industrialization and should play a leading role. However, the following problems need to be solved. (A) decentralized credit funds. Small and complete investment, scattered in all, is not conducive to the Agricultural Development Bank to operate intensively, is not conducive to improving the scale of the project. Taking Tongshan County as an example, a total of 66 agricultural development projects have been implemented with a total loan amount of 47.2 million yuan, an average of 720,000 yuan per project. The project involves 17 townships and townships in 9 departments. With a wide range of different types and varieties, the average use of funds is diversified, leading to no advantages for the products and no pillar industries. The poor performance of a single project, restricting the effectiveness of credit funds. (B) the lack of continuity of the layout of the project can not form the industrial chain. The project choice to rebuild, light continued to build, the lack of guidance in accordance with the industry chain construction and layout of the project, making the intermittent gap between the project, mutual absorption capacity is small, the correlation is small. (C) re-production, light processing, processing enterprises into the project