论文部分内容阅读
农业发展银行机构延伸后,开发性信贷管理任务非但没有减轻,而且加重了,因此,要严密交接,打好基础;建章健制,规范运作。一、清理、核实信贷资产,落实债权、债务开发性贷款是农发行信贷资产的重要组成部分,它的质量高低,直接关系到农业开发的成效和农发行的资金运作。经过“划转”和“代理”两个阶段后,开发性信贷资产质量已经令人担忧,如果不在业务交接过程中严格把关,就很难保证农发行的债权真实、准确、完整。因此要把好如下关口:1、银企对帐,核实信贷资产。对截止交接日的农发行贷款额要逐企业、分科目核对,借款人、移交行签章认定。同时对与债权相关的担保合同等有关法律文书及档案亦应一并认定、交接,以
After the extension of the Agricultural Development Bank institutions, the task of developing credit management has not only been lessened but also aggravated. Therefore, it is necessary to strictly hand over and lay a solid foundation for establishing a sound system for credit management and regulating operation. First, clean up and verify credit assets, the implementation of debt, debt development loans is an important component of the credit assets of the Agricultural Development Bank, its quality, is directly related to the effectiveness of agricultural development and the Agricultural Development Bank’s capital operation. After two stages of “transfer ” and “agency ”, the quality of the development credit assets is already worrying. If it is not strictly controlled in the process of business handover, it will be very hard to guarantee that the claims of the ADBC are true, accurate and complete . Therefore, we should take the following key points: 1, bank reconciliation, verification of credit assets. The deadline for the transfer of the Agricultural Development Bank loan amount by the enterprise, sub-account check, the borrower, the transfer of the signature line. At the same time, the legal documents and files related to the guarantee contract related to the claims should also be affirmed and handed over to