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按照国务院深化农村金融体制改革的决定,农业发展银行将在近期内完成省以下分支机构的组建工作,但是县以下和业务较少的县仍然不设机构。如何在这一条件下,进一步做好粮棉油收购贷款的管理工作,本人对此进行了一些思考。一、问题(一)收购贷款划转不准确,亟待清理。1994年6月30日划转了农发行业务。但由于各行对划转业务理解的偏差,使不少政策性企业没有划过来,如粮库、粮食转运站等,而把许多经营性企业如城市粮管站、粮油贸易公司等都划了过来。这不仅造成了农发行贷款质量低下,更重要的是政策性贷款与经营
According to the decision of the State Council to deepen the reform of the rural financial system, the Agricultural Development Bank will complete the formation of sub-provincial branches in the near future. However, there are still no establishments under the county and less-established counties. How to further improve the management of acquisition of grain and cotton oil under this condition, I have some thinking on this. First, the problem (A) acquisition loan transfer is not accurate, urgent need to clean up. June 30, 1994 transfer of agricultural development business. However, due to the misunderstanding of the transfer of business from various branches, many policy-oriented enterprises have not been crossed over, such as grain depots and grain transfer stations. Many commercial enterprises, such as urban grain management stations and grain and oil trading companies, have been drawn up . This not only caused the low quality of loans from the Agricultural Development Bank, but more importantly, policy loans and operations