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中国农业发展银行(以下简称农发行)是以经营政策性业务为主,不以盈利为主要目标的国家银行,它以保本为经营原则。其以国家拨付为主的资本金,具有资金成本低、来源稳定以及使用期长的特点。粮食收购企业在农发行的大力支持下,在搞好粮食储备、平抑物价等方面发挥了很大的作用。现又至粮食收购季节,可我县粮食收购资金却面临着紧张的局面,据分析,这其中既有外部原因,也有内部原因。外部原因第一,农发行与农业银行在资金上没有明确划分开来。农发行的业务经营在省级以下由当地农业银行代理,由于其资金没有及时到位,资金运用上与农业银行没有清楚地分开来,农业银行在资金紧张时,为了自身业务发展,会占用属于农发行的资金,从而影响了农发行的资金营运。
China Agricultural Development Bank (hereinafter referred to as Agricultural Development Bank) is a state-run bank that focuses on the operation of its policy-based businesses and does not regard profit-making as its main objective. It operates on a principle of capital preservation. Its capital allocated mainly by the state has the characteristics of low capital cost, stable source and long service life. With the strong support of the Agricultural Development Bank, the grain-purchasing enterprises have played a significant role in improving grain reserves and stabilizing prices. Now to the grain purchasing season, but my county grain acquisition funds are facing a tense situation, according to the analysis, which has both external reasons, but also internal reasons. External reasons First, the Agricultural Development Bank and Agricultural Bank in the funding is not clearly divided. Agricultural Development Bank of the business operations at the provincial level below the local Agricultural Bank agents, due to its funding is not in place in time, the use of capital and the Agricultural Bank did not clearly separate from the financial constraints of agricultural banks, for their own business development, will occupy the agricultural Issued funds, thus affecting the Agricultural Development Bank’s capital operation.