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在去年收购资金封闭运行工作取得明显成效的基础上,总行于今年年初提出了抓“两基”、达“三新”的工作要求。当前做好贷款利息收回工作,是加强经营管理,提高经营效益的根本措施。一、贷款的占用结构根据农发行贷款的特殊性,区别不同占用状况、管理政策、利息来源等情况,贷款大体可分为如下类别:1、储备贷款(包括粮、棉、油、肉、糖、烟叶、羊毛等中央储备贷款和粮、棉、油地方储备贷款);2、粮食正常周转库存占用贷款;3、粮食超正常周转库存占用贷款;4、棉花收购、调销贷款;5、油料收购、调销贷款;6、简易建仓贷款(包括贴息期内和超过贴息期的贷款);
On the basis of remarkable achievements made in the closed-end acquisition of funds acquired last year, the head office proposed the work requirements of “two bases” and “three new ones” at the beginning of this year. At present, doing a good job of recovering interest on loans is a fundamental measure to strengthen management and improve operating efficiency. I. Structure of Occupation of Loans According to the particularity of ADBC loans, different occupancy conditions, management policies and sources of interest, loans can be broadly classified into the following categories: 1. Loans (including grain, cotton, oil, meat and sugar , Central reserve loans such as tobacco leaves and wool, and local reserve loans for grain, cotton and oil); 2) Occupation loans for the normal turnover of grain; 3) Excessive normal working capital stock loans; 4) Purchase and sales of cotton loans; Acquisition, write-off loans; 6, simple Jiancang loans (including discount period and over the loan interest period);