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加强粮棉油贷款利息收入管理,提高贷款利息收回率,减少应收未收利息,是实现收购资金封闭运行,改善农发行财务收支状况,提高信贷资金营运效益的重要手段。从张家口市1998年粮棉油贷款利息收回情况看,水平偏低,问题突出。本文试以张家口市为例对影响贷款利息收回率低的主要因素进行分析,并提出相应的解决办法。影响粮棉油贷款收息率低的主要因素从上年粮棉油贷款利息收回率看,全市各县(区)发展极不平衡,高者达到100%以上,低者只有60%左右,差距悬殊,情况复杂,既有主观原因,又有客观原因。主要归纳为以下五个方面:
Strengthening the management of the interest income of grain, cotton and oil loans, increasing the interest rate recovery and reducing the interest receivable, is an important means to realize the closed operation of acquisition funds, improve the financial revenue and expenditure of the Agricultural Development Bank and improve the operational efficiency of the credit funds. From Zhangjiakou City in 1998 grain and cotton oil loan interest recovery situation, the level is low, the problem is outstanding. This paper attempts to take Zhangjiakou City as an example to analyze the main factors that affect the low recovery rate of interest on loans and put forward corresponding solutions. Major Factors Affecting Low Yield of Grain and Cotton Oil Loans According to the interest recovery rate of grain and cotton oil loans from the previous year, the development of all counties (districts) in the city is extremely unbalanced, with the highest reaching over 100% and the low being only about 60% Disparities, the situation is complex, both subjective reasons, there are objective reasons. Mainly summarized in the following five aspects: