【摘要】：資金運營管理制度是農(nóng)業(yè)政策性銀行運行機制中的重要環(huán)節(jié)和核心內(nèi)容。資金運營就是把擁有的一切有形無形的存量資產(chǎn)變?yōu)榭梢栽鲋档幕罨Y金；通過流動、裂變、組合、優(yōu)化配置等多種方式進行有效運營，以最大限度地實現(xiàn)增值。我國目前正在努力建立和完善社會主義市場經(jīng)濟，在市場經(jīng)濟中利用價值規(guī)律，促進資金流動，調(diào)整資本結(jié)構(gòu)，優(yōu)化資源配置。資金運營管理制度涉及資金來源渠道、信貸資產(chǎn)質(zhì)量、資金運營風(fēng)險、業(yè)務(wù)范圍、經(jīng)營效益等方面。 伴隨著地方經(jīng)濟的發(fā)展和農(nóng)業(yè)政策性銀行在地方金融領(lǐng)域的支農(nóng)職能,政策性銀行按照中央相關(guān)要求逐步進行了改革，農(nóng)發(fā)行資金運營管理體制發(fā)生了結(jié)構(gòu)性變革,賴以生存的宏、微觀經(jīng)濟環(huán)境也發(fā)生了很大的變化。目前農(nóng)發(fā)行實行的系統(tǒng)內(nèi)資金管理模式是建立在總行籌資、分支機構(gòu)用資的基礎(chǔ)上，分支行自主籌資能力較差，全行業(yè)務(wù)發(fā)展所需資金主要依靠總行集中籌集。資金運營管理貫穿資金的籌集、運用以及分配等流程，在農(nóng)發(fā)行經(jīng)營中占據(jù)著核心地位，在資金流越來越彰顯其重要性的市場經(jīng)濟社會中,農(nóng)發(fā)行是否能有效進行資金運營管理,兼顧營運資金流動性、風(fēng)險性、收益性,決定著農(nóng)發(fā)行能否實現(xiàn)高效、健康、穩(wěn)定成長。阿勒泰地區(qū)農(nóng)發(fā)行在資金運營管理方面的效率效益如何？能否以盡可能低的成本獲得盡可能多的資金來源，以及能否以最佳的資金配置獲得最好的經(jīng)濟效益，能否保證農(nóng)發(fā)行運營質(zhì)量和效益。因此，全行對資金運營管理已經(jīng)越來越重視,營運資金作為運營的“血液”,影響運營效率、利潤以及長遠(yuǎn)發(fā)展和戰(zhàn)略目標(biāo)的實現(xiàn)。 本文從研究阿勒泰地區(qū)農(nóng)發(fā)行目前的資金運營管理模式現(xiàn)狀出發(fā)，主要采用理論聯(lián)系實際分析方法和實證分析法，，通過理論分析和數(shù)據(jù)分析相結(jié)合，對資金運營管理的相關(guān)理論進行了分析，結(jié)合實際金融經(jīng)濟現(xiàn)狀，對阿勒泰地區(qū)農(nóng)發(fā)行內(nèi)部資金運營管理體制與地方經(jīng)濟、三農(nóng)發(fā)展的現(xiàn)實意義分析。同時，一是從社會效益角度分析農(nóng)發(fā)行資金運營管理對農(nóng)業(yè)及地方經(jīng)濟的支持和推動，有效發(fā)揮了在農(nóng)村金融中的骨干和支柱作用。二是在數(shù)據(jù)篩選的基礎(chǔ)上，對資金運用率進行分析，試圖找出影響資金運用率的相關(guān)因素與影響程度，以此來判斷運營管理的有效性，分析農(nóng)發(fā)行資金運營管理機制，找出限制資金有效利用的因素，分析找出提升農(nóng)業(yè)政策性銀行資金運營管理效益的有效策略。
[Abstract]:The management system of fund operation is an important link and core content in the operation mechanism of agricultural policy banks. Capital operation is to change all tangible and intangible stock assets into actived funds that can be added, and to realize the maximum value-added by flow, fission, combination, optimization of allocation and other ways to carry out effective operation. At present, our country is striving to establish and perfect the socialist market economy, make use of the law of value in the market economy, promote the flow of funds, adjust the capital structure, and optimize the allocation of resources. The management system of fund operation involves the sources of funds, the quality of credit assets, the risk of capital operation, the scope of business, the benefit of operation, etc. With the development of local economy and the function of agricultural policy banks in supporting agriculture in the field of local finance, the policy banks have gradually carried out reforms in accordance with the relevant requirements of the central authorities, and the management system of funds operation of Agricultural Development Bank has undergone structural changes. The macro-and micro-economic environment on which we live has also changed a lot. At present, the system capital management mode of Agricultural Development Bank is based on the capital raising of the head office, the branch office uses the capital, the independent financing ability of the branch bank is poor, and the funds needed for the whole bank's business development mainly depend on the central bank to raise funds. Fund operation management runs through the process of raising, using and distributing funds, which occupies a core position in the management of Agricultural Development Bank. It is more and more important in the market economy society where the capital flow is becoming more and more important. Whether the Agricultural Development Bank can effectively manage the capital and take into account the liquidity, risk and profitability of the working capital determines whether the bank can achieve efficient, healthy and stable growth. What is the efficiency and benefit of the Agricultural Development Bank of Altay in the management of capital operation? Can we obtain as many sources of funds as possible at the lowest possible cost, as well as the best allocation of funds to obtain the best economic benefits, whether to ensure the quality and efficiency of Agricultural Development Bank operation. Therefore, the bank has paid more and more attention to the capital operation management. Working capital, as the "blood" of operation, affects the operation efficiency, profits, long-term development and the realization of strategic goals. Based on the study of the current situation of the current fund management mode of the Agricultural Development Bank of Altay, this paper mainly adopts the theoretical and practical analysis method and the empirical analysis method, and combines the theoretical analysis with the data analysis. This paper analyzes the relevant theories of capital operation and management, and analyzes the practical significance of the development of agriculture, rural areas and farmers in Altay region. At the same time, from the perspective of social benefits, the paper analyzes the support and promotion of the operation and management of Agricultural Development Bank funds to agriculture and the local economy, thus effectively exerting the backbone and pillar role in rural finance. Second, on the basis of data screening, the paper analyzes the utilization rate of funds, tries to find out the relevant factors and the degree of influence on the utilization rate of funds, so as to judge the effectiveness of operation management and analyze the mechanism of fund operation management of Agricultural Development Bank. Find out the factors that restrict the effective use of funds, and find out the effective strategies to improve the efficiency of fund operation and management of agricultural policy banks.
【學(xué)位授予單位】：新疆大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.31;F830.42

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