随着市场经济体制的确立和金融改革的深化,银行收入目标的体现越来越重要。 神木县工商银行采取了多方面的有效措施,狠抓银行贷款利息回收,做为一项长期经营性目标。去年收回当年挂帐利息达90％,收到了良好效果,他们的基本做法是: 一、积极参予企业转换经营机制工作,防止银行贷款利息悬空。去年行长被神木县政府列入企业体制改革领导小组成员后,就责成信贷部门随时关注掌握企业转换经营机制的情况和动向。县外贸局系统有两户企业银行贷款395万元,欠息29万元,在银行贷款本息尚未落实担保、抵押、偿付利息的情况下,制订了改革方案准备出台,被银行及时阻止。经会同主管局和两户企业签订落实了所欠全部利息回收协议,于年底一次付清所欠利息。县付食公司欠银行贷款58万元,也在完善办理贷款财产抵押及付清利息4万元之后,实施了部分财产拍卖、个人承包租赁的改革方案。 With the establishment of a market economy system and the deepening of financial reform, the objective of bank revenue has become more and more important. Shenmu County Industrial and Commercial Bank adopted a number of effective measures, pay close attention to bank loan interest recovery, as a long-term business goals. Last year, 90% of the interest on loans was recovered in the year and received good results. Their basic approach is as follows: 1. Actively participate in the work of converting business mechanism of enterprises so as to prevent the interests of bank loans from being vacant. Last year, the governor was included in the Shenmu County government leading member of the enterprise system reform, to instruct the credit department at any time concerned about the business transfer control mechanism to grasp the situation and trends. The county foreign trade bureau system has two corporate banking loans of 3.95 million yuan and an interest of 290,000 yuan. Under the circumstances that the principal and interest of the bank loans have not yet secured, mortgaged, or interest paid, the reform plan is formulated and stopped by the banks in a timely manner. After the agreement with the Office and the two companies sign the implementation of the interest recovery agreement owed, by the end of the year to pay interest owed. County food company owed the bank loans 580,000 yuan, also perfect loans for property mortgages and interest paid 40,000 yuan after the implementation of part of the property auction, individual contract leasing reform program.