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荷兰是世界乳业发达国家,是世界第4大乳品出口国。荷兰合作银行长期专注于食品和农业板块,占有了荷兰85%的食品和农业贷款份额,2012年末奶业贷款达到157亿欧元,占该行食品和农业贷款的17%。研究荷兰奶业发展和银行信贷管理先进经验,对于发展农发行奶业信贷业务,打造奶业信贷品牌,体现政策性银行支持实体经济作用有重要意义。一、荷兰奶牛养殖和乳品加工业发展情况(一)荷兰以家庭奶牛养殖场为基础发
Netherlands is the world’s dairy developed countries, is the world’s 4th largest dairy exporter. Rabobank has long focused on the food and agriculture sector, accounting for 85% of the Netherlands’ share of agricultural loans for food and agriculture. At the end of 2012, Rabobank reached EUR15.7 billion in loans, accounting for 17% of the bank’s loans to food and agriculture. Studying the advanced experience in dairy industry development and bank credit management in the Netherlands is of great significance to the development of the dairy credit business of the Agricultural Development Bank, the creation of the dairy credit brand and the role of policy banks in supporting the real economy. First, the Netherlands dairy farming and dairy processing industry (a) the Netherlands based on the family dairy farms