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面对南京地区今夏粮油购销市场化,农发行全面推行非信用贷款方式,以销定贷,以效定贷,实施“积极支持,严格条件”、“放得出、收得回、管得住、有效益”的信贷操作原则: 一、建立贷款风险补偿基金制度。在探索夏粮收购贷款发放办法中,溧水县支行落实贷款风险补偿基金制度。按照农发行认可的企业信用度和经营状况,确定交存不同比例的风险补偿金,该行把全县15个购销企业分为四类。第一类交存比例为20％(贷款额度的20％,下同);第二类交存比例为30％;第三
In the face of the market-oriented purchase and sale of grain and oil in the summer of this year in Nanjing, the ADBC implemented the non-credit loans in an all-round way, with the loans fixed and loans set by the government, and implemented “active support and strict conditions” , Effective "credit operating principles: First, the establishment of a loan risk compensation fund system. In exploring the summer grain purchase loan payment methods, Lishui County branch to implement the loan risk compensation fund system. According to the credit rating and operating status of the enterprises approved by the ADBC, it is determined that different proportions of risk compensation will be deposited. The bank divides 15 purchase and sales enterprises in the county into four categories. The first deposit ratio of 20% (20% of the loan amount, the same below); the second deposit ratio of 30%; the third