摘要重庆银行农业微型企业贷款业务研究ResearchonAgriculturalMicroenterpriseloanbusinessofChongqingBank摘要随着我国农业现代化进程的不断推进，传统农业向现代农业转型，出现了一个规模庞大的农业微型企业群体。融资难一直是伴随广大农业微型企业发展的问题，而作为社会主要融资渠道的商业银行目前针对农业微型企业所推出的贷款业务极少，商业银行的主要重心及业务范围还是以城市为中心，向规模较大，盈利能力好，经营稳定的大中企业发放贷款，而农业微型企业的贷款投放比重在商业银行中占比极低，银行融资对农业微型企业的发展并没有发挥出相应的作用。目前国内学术界普遍认为，信用评估体系及担保体系的不完善是农业微型企业融资难问题的关键。但就重庆银行近年来公司贷款业务发展的情况来看，微型企业贷款业务发展良好，而农业微型企业贷款业务发展缓慢，说明除了上述原因外，还有其他原因制约着银行农业微型企业贷款业务的发展。本文通过对重庆银行公司贷款业务的开展情况进行了研究，探讨了重庆银行拓展农业微企贷款业务所面临的困难与原因。本文认为，企业贷款尤其是微型企业贷款业务是典型依赖线下渠道开展的业务，现阶段以商业银行业为代表的金融行业，向城市与工商业集中而远离农村与农业，造成其在农村地区的线下渠道不足，是农业微型企业向银行融资难的主要原因。本文进而提出，金融行业在物理空间上向城市集中而远离农村的趋势，在短期内很难有逆转的内在动力。通过构建新型的业务渠道，将农业微型企业的融资市场与商业银行建立连接，填补两者在物理空间上的鸿沟，是解决农业微型企业融资难问题的一种思路。PAGE\*MERGEFORMAT1关键词:农业微型企业;重庆银行;贷款业务AbstractAbstractWiththecontinuousadvancementofagriculturalmodernizationinChina,traditionalagriculturehastransformedintomodernagriculture,andalargegroupofagriculturalmicro-enterpriseshasemerged.Financingdifficultieshasbeenaccompaniedbythegeneralagriculturalmicroenterprisedevelopmentproblems,andasasocialmainfinancingchannelsofcommercialBanksatpresentinviewoftheagriculturalmicroenterpriseloanbusinesslaunchedbyfew,themainfocusandscopeofbusinessofcommercialBanksisstillinthecityasthecenter,tothelargerscale,profitability,stabilityoflargeandmedium-sizedenterprisesloans,andagriculturalmicroenterpriselendingproportionaccountedforinthecommercialbankisextremelylow,bankfinancingforagriculturalmicroenterprisesanddidnotplaythecorrespondingroleinthedevelopment.Atpresent,theacademiagenerallybelievethattheimperfectionofthecreditevaluationsystemandtheguaranteesystemisthekeytothefinancingdifficultiesofmicroenterprises.ButthroughtheresearchontheenterpriseloanbusinessofBankofChongqinginrecentyears,wecouldfindoutthattheagriculturalmicroenterpriseloanbusinessgrewslowlywhilethemicroenterpriseloanbusinessgrewquickly.Itsuggeststhatthereareotherreasonsbesidethoseabove.Inthispaper,theauthordiscussesthedifficultiesandreasonsoftheBankofChongqingtoexpandtheloanbusinessoftheagriculturalmicroenterprises.Inthispaper,itispointedoutthattheenterpriseloanbusiness,especiallythemicroenterpriseloanbusiness,typicallyreliesontheofflinechannelofcommercialbanks.Atpresent,thefinancialindustryrepresentedbycommercialbanksfocusonthecityandtheindustryandcommerce,andtendstostayawayfromthecountrysideandagriculture.Thereforetheirofflinechannelinthecountrysidehavebeenweakenedandbecomeinsufficient.AndtheauthorproposedthatthisisthemainreasonofthedifficultyoffinancingforagriculturalPAGE\*MERGEFORMAT1microenterprise.Thenthepaperproposes,byconstructingsomenewtypeofbusinesschannels,establishingaconnectionbetweentheagriculturalmicroenterprisefinancingmarketandcommercialbanks,fil...
