为了提高建行发放委托贷款的效益,加速资金周转和企业技术改造步伐,加强分业经营管理,我们对×市建行的委托贷款情况进行了调查。从调查情况看:到1994年末,委托贷款余额为2460万元,其中,有委托基金来源的675万元,指标委托、上存下贷(带帽下达)1785万元。贷款种类十一种,有省级财政委托贷款余额1514万元;国家投资公司委托贷款余额40万元;地州财政委托贷款余额336万元;人民银行委托贷款余额570万元,来源渠道单一。39笔贷款业务中,贷款占用形态是:一般逾期贷款余额399万元;呆滞贷款余额535万元;呆帐贷款余额95万元,其中借款人担保破产的82.99万元,借款人宣告死亡的11万元。非正常贷款占委托贷款总额的 In order to improve the efficiency of entrusted loans issued by CCB, speed up the flow of funds and the technological transformation of enterprises, and strengthen the operation and management of divisions, we conducted a survey on the commissioned loans of CCB. According to the survey, by the end of 1994, the entrusted loan balance was 24.6 million yuan, of which, there were 67.5 million yuan from the source of entrusted funds, with the target entrusted to deposit 17.85 million yuan (with cap). There are 11 types of loans, with the balance of provincial-level financial entrusted loans amounting to 15.14 million yuan; the entrusted loan balance of state investment companies is 400,000 yuan; the balance of state-financed entrusted loans is 3.36 million yuan; and the PBC entrusted loan balance of 5.7 million yuan with a single source. Of the 39 loans, the loan occupancy patterns were: general overdue loan balance of 3.99 million yuan; sluggish loan balance of 5.35 million yuan; bad loan balance of 95 million yuan, of which the borrower bankruptcy of 82.99 million yuan, the borrower declared the death of 11 Million. Abnormal loans accounted for the total amount of entrusted loans