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为全面了解农业贷款绩效状况,选取农业生产环节20种农产品,农产品加工业12个子产业,和其他工业部门共57个产业,根据历史财务状况构建项目,测算各产业项目贷款风险调整后绩效指标:相对绩效指标(EVA)与绝对绩效指标(aRAROC)。结果表明:1)受到收益和规模状况的双重制约,农业生产环节贷款两项指标表现均较差,面临着比较严重的贷款排斥;2)与其他产业相比,农产品加工业贷款的相对绩效优势明显,但受到贷款规模制约,绝对绩效排序下滑明显。最后根据上述结论提出改善农产品市场稳定性,提高农产品加工业规模化发展水平,和构建多层次农村金融体系的建议。
In order to fully understand the performance of agricultural loans, we selected 20 agricultural products, 12 sub-industries of agricultural products processing industry and 57 industries of other industrial sectors. According to historical financial conditions, we constructed projects and measured the loan risk of various industrial projects. After adjustment, Relative Performance Indicators (EVA) and Absolute Performance Indicators (aRAROC). The results showed that: 1) Due to the double restriction of income and scale, the two indicators of loan in agricultural production were both poor and were facing more serious loan exclusion; 2) Compared with other industries, the relative performance advantage of loan of agricultural product processing industry Obviously, but by the size of the loan constraints, the decline in absolute performance significantly. Finally, according to the above conclusions, we put forward suggestions on how to improve the market stability of agricultural products, increase the scale of agricultural products processing industry and build a multi-level rural financial system.