摘要：政策性金融是我国金融体系核心的重要组成部分，伴随着以市场为导向的经济改革与推进，推动我国政策性金融体系环境发生着巨大的变化。政策性银行是政府为了推动各种经济政策实施而成立不以盈利为目的的融资机构。在二十多年的发展历程中，三家政策性银行在我国信贷与投资、基础设施建设和农业经济发展等方面发挥着无法替代的作用。在严峻的经济发展潮流中，我国政策性银行面临的筹资渠道单一、业务领域不清等问题也逐渐暴露出来。本文从促进我国经济健康发展的角度出发，基于当前我国政策性银行发展形势，分析了体系存在缺陷的原因。同时通过总结国外改革成功的政策性银行的案例，更进一步的提出改革和完善我国政策性银行体系的若干建议，加深对我国金融理论的政策性探索和研究。69008

毕业论文关键词：政策性银行　体系缺陷  发展与完善

The reform and perfect of policy banks system in China

Abstract: Policy finance is the core part of the financial system in our country. With the reform and advance of economic market and propulsion, the environment of policy financial system in our country is also experiencing great changes. Policy banks not for the purpose of making profits is a kind of financing institutions which is to promote the implementation of a variety of economic policy by government. In more than 20 years of development, these three policy banks in our country play an irreplaceable role in credit loan and investment, constructions of infrastructure and agricultural economic development etc. In severe economic development trend, with the reform of China's financial system and the constant adjustments of economic structure, the issues Chinese policy banks facing are gradually exposed, such as the single financing channel, the faint business area. This paper, starting from promoting the demand of the healthy development of our country's economy, based on the current development of policy banks in our country, analyzes the present situation of policy banks and the reason for why system is flawed. At the same time, through analyzing the study of some cases of foreign policy banks whose reform is successful, this paper is meant to summarize the experience for reference, put forward some further suggestions to reform and perfect the system of our country’s policy banks, and deepen the exploration and research in the theory of policy finance in our country. 

Key Words：policy banks；defects of system； development and perfect 

目　录

一、绪论 1

（一）选题背景及意义 1

（二）主要内容 2

（三）文献综述 2

二、我国政策性银行的概述 3

（一）我国政策性银行的特征及功能 3

（二）我国政策性银行的发展现状 5

1．国家开发银行 5

2．中国进出口银行 6

3．中国农业发展银行 6

三、我国政策性银行存在的问题及改革必要性 7

（一）政策性银行存在的问题 7

1. 风险管理机制的缺乏 7

2. 政策性银行地区性的缺失 7

3. 缺少相关法律法规的支持 8

4. 融资渠道单一 8