农业具有弱质性，推动现代化农业的发展，需要发挥好金融对农业发展的支持作用。黑龙江省基于金融支农大力推进现代化农业的发展，在实践中取得了显著效果，同时也存在银行的参与动力弱、信贷风险高等问题。基于上述背景，本研究选择建设银行黑龙江分行作为研究案例，使用案例法和文献法等方法，在科技创新理论和金融发展理论、农业弱质性理论指导下，分析黑龙江金融支持农业发展情况与效果，并从银行服务管理的角度入手，针对金融支农的问题进行剖析，提出针对性的完善策略，希望能够促进黑龙江金融支农服务的发展，充分发挥金融对农业发展的支持作用，体现出理论和实践意义。黑龙江省“十二五”发展规划中明确提出要实施农业发展战略，并基于金融支持促进农业发展的意义，以“农业大数据+金融”模式推动黑龙江省农业发展的目标实现。基于黑龙江省2010年至2020年的数据分析发现，黑龙江省的农业产值受保险和信贷支持资金以及政策支持资金的影响，其中信贷支持资金在金融支持中的影响最为显著。然而，现阶段黑龙江省在农业发展过程中依然存在金融支持不足的问题。以“农业大数据+金融”中贡献最为突出的建行黑龙江分行为案例，分析发现其金融支农中逐步建立起一套比较健全的信贷惠农制度，在实施的过程中，成效显著，在社会层面得到了良好的评价。同时建行黑龙江分行金融支农中，存在智慧服务与信贷支持作用不均衡、受地方政府政策干预导致信贷集中，贷前调查以及贷后管理存在问题致使信贷风险高等问题。对此，建设银行黑龙江分行有必要进一步完善自身涉农信贷制度与方法，优化资源配置提高信贷质量，落实全过程管理提升自身的信贷风险管理水平。在建设银行黑龙江分行金融支农的基础上，对其发展经验进行总结，对其存在的问题进行反思和探究，进而为黑龙江农业发展提出优化金融支持的具体策略。对于金融机构而言，有必要对内部管理和外部管理进行优化和完善，要加大对农户的宣传、政策扶持力度，建立“三农”客户的增值服务机制，大力发展科技富农，为基层经营注入新的活力，加大对农业贷款工作人员的培养力度。站在政府的立场上，应该发挥引导和扶持作用，包括优化宏观管理体系，以优惠政策扶持金融企业发展，完善农业保险机制及担保体系等。
Agriculture has a weak nature, and to promote the development of modern agriculture, it is necessary to play a good role in supporting the development of agriculture through finance. Heilongjiang Province is vigorously promoting the development of modern agriculture based on financial support for agriculture, and has achieved significant results in practice. At the same time, there are also problems such as weak participation motivation of banks and high credit risks. Based on the above background, this study selects Heilongjiang Branch of China Construction Bank as the research case, uses case method, literature method and other methods, under the guidance of scientific and technological innovation theory and financial development theory, imperfect competition market theory and agricultural weakness theory, analyzes the development situation and effect of Heilongjiang‘s financial support for large-scale agriculture, and analyzes the problems of financial support for agriculture from the perspective of bank service management, Propose targeted improvement strategies, hoping to promote the development of financial support for agriculture services in Heilongjiang, fully leverage the supporting role of finance in the development of agriculture, and demonstrate theoretical and practical significance.The "12th Five Year Plan" for the development of Heilongjiang Province clearly proposes the implementation of the agriculture development strategy, and based on the significance of financial support to promote the development of agriculture, the goal of promoting the development of agriculture in Heilongjiang Province through the "agricultural big data+finance" model is achieved. Based on the data analysis of Heilongjiang Province from 2010 to 2020, it was found that the agricultural output value of Heilongjiang Province is influenced by insurance, credit support funds, and policy support funds, with credit support funds having the most significant impact in financial support. However, at present, there is still a problem of insufficient financial support in the development of large-scale agriculture in Heilongjiang Province. Based on the case study of China Construction Bank Heilongjiang Branch, which has made the most prominent contribution in the "agricultural big data+finance", it is found that its financial support for agriculture has gradually built a relatively complete credit and agricultural benefit system, which has achieved significant results in practice and received good evaluations at the social level. At the same time, in the financial support to agriculture of CCB Heilongjiang Branch, there are unbalanced functions of intelligent services and credit support, credit concentration caused by the intervention of local government policies, and problems in pre loan investigation and post loan management, leading to high credit risk. In this regard, it is necessary for China Construction Bank Heilongjiang Branch to further improve its agricultural credit system and methods, optimize resource allocation, improve credit quality, implement full process management, and enhance its own credit risk management level.Based on the financial support for agriculture of China Construction Bank Heilongjiang Branch, this paper summarizes its development experience, reflects on and explores its existing problems, and proposes specific strategies for optimizing financial support for the development of Heilongjiang‘s agriculture. For financial institutions, it is necessary to optimize and improve internal and external management, strengthen propaganda and policy support for farmers, build a value-added service system for financial institutions‘ "agriculture, rural areas, and farmers" customers, strengthen technology to enrich farmers, create new driving forces for basic management, and strengthen training for rural credit loan employees; From the perspective of the government, it should play a guiding and supportive role, including optimizing the macro management system, supporting the development of financial enterprises with preferential policies, and improving the agricultural insurance mechanism and guarantee system.
