在近两年的农业综合开发贷款管理中,有些问题需要解决。笔者就此谈点个人看法:一、几个问题1、承贷主体难以落实。农业综合开发区多数生产力水平低,经济发展落后,土地经营分散,极少有较强经济实力承担大规模中低产田治理改造任务的承贷主体。特别是目前农业发展银行的机构现状不可能面向千家万户,逐一落实中低产田治理改造贷款债务,从而造成了中低产田治理改造贷款项目难找、贷款难放、放出难收的局面,影响了农业综合开发政策的落实。2、行政干预日趋严重。农业综合开发贷款的资金来源主要是人民银行借款,它区别于专业银行组织的存款。这就很容易给社会造成一种政策性信贷资金等同于财政资金的错觉。因此,有些政府及项目主管部门,违背信贷资金运行规律和信贷项目管理操作程序,超越权限,干预贷款项目,有的甚至越俎代疱、擅自答应贷款;有些项目单位则通过种种关系找领导批条子、要贷款。使得正当途径上报的较好 In the past two years of comprehensive agricultural development loan management, some problems need to be solved. I talk about personal views: First, several issues 1, the main loan difficult to implement. Most of the agricultural development zones have low levels of productive forces, backward economic development and scattered land management. Few underdeveloped lending institutions have the strong economic strength to undertake large-scale management of low and middle-yielding fields. In particular, at present, the status quo of the Agricultural Development Bank’s institutions can not be faced with tens of thousands of households. The implementation of low and middle yield fields to reform the loan debt one by one has resulted in the hard-to-find low- The implementation of comprehensive agricultural development policy. 2, the increasingly serious administrative intervention. The main source of funding for agricultural comprehensive development loans is the PBC loan, which is different from the deposits organized by specialized banks. This can easily create an illusion that social credit is equivalent to fiscal funds. Therefore, some governments and project authorities violate the laws governing the operation of credit funds and credit project management procedures, go beyond the limits of authority and intervene in loan projects, and some of them even try their best to allow loans without authorization. Some project agencies find leadership through various relationships To loan. Make the proper way to report better