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加强信贷资金管理,提高信贷资金运用率,是农业发展银行确保收购资金供应、减少资金闲置、提高信贷资金使用效益和实现封闭运行的要求。一、信贷资金运用率的内涵信贷资金运用率主要考核各行信贷资金运用是否合理有效,是否存在资金闲置。信贷资金运用率=各项贷款旬平均余额÷(资本金旬平均余额+各项存款旬平均余额+系统内借款旬平均余额);根据农发行信贷资金的平衡关系:资本金+各项存款+系统内借款=各项贷款+其他资金净占用,信贷资金运用率也可表示为:各项贷款旬平均余额÷(各项贷款旬平均余额+其他资金净占用旬平均余额)。从上述公式可知,信贷资金运用率实际是考核各项贷款以外资金占用,在贷款额既定的情况下,其他资金净占用越少,则信贷资金运用率指
Strengthening the management of credit funds and improving the utilization of credit funds are requirements for the Agricultural Development Bank to ensure the supply of funds for acquisition, reduce the idle funds, improve the efficiency of the use of credit funds and achieve closed operations. First, the connotation of the utilization rate of credit funds The utilization rate of credit funds is the main assessment of the bank’s credit funds are reasonable and effective, whether there is idle funds. The utilization rate of credit funds = the average balance of each loan period ÷ (the average balance of capital in ten days + the average balance of ten days of deposits + the average balance of ten days in the system); According to the balance of credit funds of ADBC: Capital + deposits + Loans in the system = net lending of other loans + other funds. The utilization rate of credit funds can also be expressed as the average balance of all loans in ÷ (the average balance of all loans + the average balance of other funds in ten days). We can see from the above formula, the actual utilization rate of credit funds is to appraise the use of funds other than loans. With the loan amount established, the net utilization of other funds is less, and the utilization rate of credit funds means