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随着各地粮油价格市场的不断放开,逐步实现“粮食商品化、经营市场化”的目标,给银行信贷管理提出了新的课题。笔者认为,当前,银行对粮食企业的信贷管理,存在以下几个难点:难点之一:县及县以下粮食企业首尾分割的开户现状,给银行信贷管理带来了困难。随着社会主义市场经济的建立,为搞活粮食企业,县级粮食系统在原县粮食局的基础上,分出大部分人员成立县粮油总公司,各基层粮管所则相应地成了县级总公司下的分公司,形成总公司下的二级法人企业。然而,绝大多数县的粮油总公司仍然在工行开户,其下属分公司在农行开户,从而形成总公司及其下属二级法人企业的分公司首尾分割的开户状
With the continuous liberalization of the grain and oil price markets around the country and the gradual realization of the goal of “food commercialization and market-oriented operation”, new issues for bank credit management have been put forward. The author believes that at present, the bank’s credit management for grain enterprises has the following difficulties: One of the difficulties is that the current situation of opening up separate grain businesses below the county level has brought difficulties to bank credit management. With the establishment of a socialist market economy, in order to invigorate grain enterprises, the county-level grain system established a county grain and oil company based on the county grain bureau, and most of the grassroots grain mills became county-level general Under the company’s branch offices, the formation of two corporate headquarters under the corporate. However, the vast majority of the county’s grain and oil head office is still in ICBC to open an account, and its subsidiaries branch in the Agricultural Bank, thus forming the parent company and its subordinate two branches of corporate corporations split account opening