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随着粮食流通体制改革的深化和我国加入世贸组织,农发行的信贷资产主要载体——粮食企业面临的经营环境日趋严峻,使得我行信贷资产保全工作也面临着越来越错综复杂的局面。根据农发行总行工作部署: “用企业有效资产全面办理存量贷款抵押担保”的工作要求,目的就是给农发行信贷资产安全运营筑起一道牢固的防线。但是,习惯于“信用贷款”承担政策性收购的粮食企业,实施担保抵押贷款工作可为举步艰难,现就素有广西“商品粮基地”之称的桂平市
With the deepening of the reform of the grain circulation system and China’s accession to the WTO, the main carrier of the credit assets of the Agricultural Development Bank - the business environment faced by grain enterprises is becoming more and more severe, making the preservation of credit assets of our bank more and more complicated. According to the work plan of Agricultural Bank of China Head Office: “Work with enterprises’ effective assets to handle the deposit guarantee of stock loans in an all-round way”, the purpose is to build a solid line of defense for the safe operation of ABC’s credit assets. However, the grain enterprises accustomed to “credit loans” to undertake policy-based acquisitions may find it hard to implement secured mortgage loans. Now they are known as “commodity grain bases” in Guangxi called Guiping