政策性金融支持枣庄市农村水利建设问题研究 以农业发展银行枣庄市分行为例摘要 2011年中央1号文件中明确提出：“在风险可控的前提下，支持农业发展银行积极开展水利建设中长期政策性贷款业务”。农村水利建设作为“三农”领域中的薄弱环节，其具有公益性、基础性、战略性等典型特征，因此，单纯依靠一般政府融资和市场手段筹资建设无法完全满足需求，农业政策性银行作为政府解决“市场失灵”和弥补“市场缺陷”重要工具，可以通过发挥其应有的倡导性职能作用，建立相关机制，完善功能，加大政策性信贷资金投入，对实现水利建设的预期目标具有十分重要的推动和促进作用。中国农业发展银行(简称农业发展银行或农发行)作为我国主要的农业政策性金融机构，大力支持新农村建设是其重要职责。本文以农业政策性金融和企业战略管理等理论为指导，从新农村建设对农业发展银行提出的新要求出发，论述了农业发展银行支持农村水利建设的必要性与可行性，对影响农发行支持农村水利建设的因素进行了分析。本文以山东省枣庄市为例，全面地论述了农发行枣庄市分行政策性金融支持农村水利建设问题，在贷款品种、贷款期限、贷款利率、抵押担保方式等方面进行了有益的探索，为推动枣庄经济社会发展和农村水利建设提供了有力的信贷支持。 本文在枣庄市农田水利建设的基本情况的基础上，对农发行枣庄市分行支持新农村建设的资金供求状况进行了分析，论述了农发行枣庄市分行支持农村水利建设的具体做法，分析了农发行支持农村水利建设面临的困境，并对其原因进行了比较全面的分析，介绍了国外利用政策性银行工具支持农业发展的做法和经验，提出农村水利建设要学习和借鉴国外政策性金融理论与实践的先进经验，必须建立金融支持体系，多渠道筹集农业资金，加大政府支持力度，拓宽资金来源渠道，并以完备的法律体系为金融支持农业发展提供重要保障。 小清新： 政策性金融；中国农业发展银行；农村水利建设；资金需求 Abstract Central Document No. 1 of 2011 clearly stated: The premise of risk control， to support agricultural development banks active in water conservancy construction and long-term policy-based lending business. Rural water conservancy construction as the three rural areas of weak links， which has a public good， basic， strategic and other typical features， therefore， relying solely on general government financing for the construction financing and market-based instruments can not fully meet the demand， agricultural policy bank as Government to address market failure and make market failure important tool，can play its due role in the functions of advocacy， the establishment of mechanisms， improve function， increase capital investment credit policy for achieving the desired objective of a water conservancy construction very important in promoting and facilitating role.China Agricultural Development Bank (Agricultural Development Bank or the Agricultural Development Bank)，as Chinas major financial institutions， agricultural policy， rural development support is an important new role. In this paper， agricultural policy and other financial and strategic management theory as a guide， the new rural construction on the Agricultural Development Banks new requirements， and discusses the Agricultural Development Bank to support rural water conservancy construction in the necessity and feasibility， the impact of the Agricultural Development Bank to support rural water conservancy construction factors were analyzed. In this paper， Zaozhuang City， Shandong Province， for example， a comprehensive exposition of the Agricultural Development Bank Zaozhuang branch policy financial support to rural water conservancy construction problems in the loan types， loan term， loan interest rates， collateral and other aspects of a useful way to explore， for the Zaozhuang promote economic and social development and rural water conservancy construction provides a strong credit support. In this paper， the construction of farmland water conservancy Zaozhuang basic situation， based on the branch of the Agricultural Development Bank Zaozhuang funds to support the construction of new rural supply and demand situation is analyzed， discussed the Agricultural Development Bank Zaozhuang branch support specific practices of rural water conservancy construction， analysis the Agricultural Development Bank to support the plight of rural water conservancy construction， and its reasons for a more comprehensive analysis， describes the use of foreign policy tools to support the agricultural development bank practices and experiences， rural water conservancy construction must learn from the foreign policy of financial theory and practice of advanced experience， must establish financial support system， multiple channels to raise agricultural funds， and increase government support for efforts to broaden the sources of funds， and to complete legal system for the financial support of agricultural development provide an important safeguard. Keywords: financial policy; China Agricultural Development Bank; rural water conservancy construction; capital requirements目录摘要- 2 -Abstract- 3 -目录- 5 -0 引言- 8 -0.1 研究背景- 8 -0.2 国内外研究现状与发展动态- 9 -0.2.1 国外研究现状- 9 -0.2.2 国内研究现状- 12 -0.3 课题研究的目的- 14 -0.4 主要研究内容与研究方法- 14 -0.4.1 基本思路- 14 -0.4.2 拟采取的研究方法- 14 -0.4.3 研究的技术路线- 15 -0.5 论文的创新处与研究不足- 16 -第1章 政策性金融支持农村水利建设的理论分析- 17 -1.1 政策性金融的界定- 17 -1.1.1 政策性金融的概念- 17 -1.1.2 政策性金融的基本特点- 20 -1.1.3 政策性金融的功能作用- 21 -1.2 农村水利建设- 23 -1.2.1 农村水利设施产权不明晰- 23 -1.2.2 收益保障缺乏和配套政策不到位- 23 -1.2.3 信贷产品创新不足- 23 -1.2.4 水利设施建设的公益性制约了其融资市场的培育和发展。- 23 -1.3 政策性金融与水利建设- 24 -1.3.1 金融服务手段单一是制约金融支持水利建设的不和谐因素。- 24 -1.3.2农发行人力资源结构不合理是制约金融支持水利建设的内部因素。- 24 -第2章 农发行枣庄市分行支持农村水利建设现状分析- 26 -2.1 枣庄市农村水利建设的基本情况- 26 -2.1.1 农村水利建设历史欠账严重。- 27 -2.1.2 水利投资短缺，水利建设良性投入机制尚未形成。- 27 -2.1.3水利项目起点底，金融支持力度不足。- 27 -2.1.4 农村供水饮水安全保障程度低，水生态问题恶化。- 28 -2.1.5 农民的科技水平不高，节水意识淡薄，农业生产没有形成