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企业活,银行兴。新形势下的收购资金封闭管理工作,关键在于积极运用信贷杠杆,帮助企业搞活经营、增加积累、实现盈利,进而实现银企双赢。在农发行现有业务范围内,调销贷款因比收购贷款具有更多的灵活性,而逐步成为搞活企业经营的重要信贷杠杆。但是在实际操作中,调销贷款却暴露出风险大、管理难、拓展慢等许多问题,成为制约企业发展的瓶颈。本文拟对调销贷款管理的对策谈点看法。调销贷款作为扶持企业解困和农发行信贷业务新的增长点,其作用是显著的,对于其存在的问题,我们不能因噎废食,只能积极应对。
Business living, banking Xing. Under the new situation, the key to the closed management of acquisition funds lies in making active use of credit leveraging, helping enterprises to revitalize their businesses, increase their accumulation and achieve profitability, so as to realize a win-win situation for banks and enterprises. Within the existing business scope of ADBC, the write-off loan has gradually become an important credit levers for invigorating the operation of a business because it has more flexibility than purchasing loans. However, in actual operation, the write-off of loans exposes many problems such as risks, difficulties in management and slow development, which have become the bottleneck restricting the development of enterprises. This article intends to talk about the countermeasure of loan marketing management. As a new growth point for enterprises to relieve the trouble and credit business of the Agricultural Development Bank, the write-off of loans plays a significant role. For its existing problems, we can not only respond positively to the unpleasant food waste.