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在信贷基础管理年活动中,农发行湖南省分行针对信贷财会基础管理中存在的突出问题与薄弱环节,制定下发了《湖南省分行信贷财会基础管理工作检查暂行办法》。笔者结合信贷财务基础管理工作检查情况,对如何切实提升信贷财会基础管理质量和风险管控水平进行思考。一、信贷财会基础检查反映的问题(一)宏观经济形势影响经营绩效。当前实体经济面临的形势比较严峻,特别是粮棉油加工龙头企业产能过剩、订单减少、出口受阻、库存积压、原料成品价格倒挂等问题
In the year of basic credit management activities, the Hunan Branch of Agricultural Development Bank formulated and promulgated the Interim Measures for Inspection of Fundamental Management of Credit and Credit Business in Hunan Branch in view of the outstanding problems and weak links in the basic management of credit and financial accounting. Based on the inspection of the basic management of credit and finance, the author thinks how to effectively improve the basic management quality and risk control of credit and accounting. First, the basic problems of credit accounting inspection (A) the macroeconomic situation affect business performance. At present, the real economy is facing a severe situation. In particular, the leading enterprises such as grain, cotton and oil processing companies have overcapacity, reduced orders, blocked exports, overstocked inventories, and upside down prices of finished raw materials