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农业发展银行业务工作的重点是,加强对粮食企业的贷款管理。从海南省农业发展银行的整个信贷资产结构看,仅粮食企业贷款就占整个信贷资产的70%强,这部分贷款管理的好坏,直接影响信贷资金的使用效果;也关系到国家政策性信贷投入的质量。粮食贷款中存在的问题一、从粮食贷款管理体制看,目前粮食收购资金划到农业发展银行后,实行由农行代理经营的管理体制。由于受自身利益驱动的影响,这种管理体制加深了粮食企业贷款“封闭式”管理的难度,不利于粮食贷款实行“体内循环”。表现形式之一:粮食收购资金跨行运作,增加了企业销货回笼资金归行的层次和环节,致使同业之间资金占用加大,无法组织有效的资金回笼。
The focus of the Agricultural Development Bank’s work is to strengthen the loan management of grain enterprises. From the perspective of the entire credit assets structure of Hainan Agricultural Development Bank, only the loans of grain enterprises account for more than 70% of the total credit assets. The management of this part of loans has a direct impact on the use of credit funds. It also affects the national policy credit The quality of inputs. Problems in grain lending First, from the grain loan management system, the current acquisition of grain funds allocated to the Agricultural Development Bank, the implementation of Agricultural Bank of China agency management system. Due to the self-interest-driven influence, this management system has made it more difficult for grain enterprises to lend to “closed-end” management and is not conducive to the implementation of grain loans. One of the manifestations: The inter-bank operation of grain acquisition funds increased the levels and links of return of funds for sales of enterprises, resulting in greater occupation of funds among peers and the inability to organize effective withdrawal of funds.