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安丘县农业银行,在社办企业信贷工作中,充分运用经济活动分析的方法,帮助企业改善经营管理,取得了一定的经济效果。他们的具体作法是: (一)进行综合分析。1982年初,他们组织全县信贷员对156处社办企业进行综合分析,发现企业存在三方面的问题:一是有些单位只重视铺新摊子、建新厂,忽视原有企业挖潜;二是利润分配不合理,全县社办企业利润用于基建的占34％,用于充实企业流动资金的占14％,用于社员分配的占2％;三是企业乱拉乱用资金现象比较严重,全县社办企业赊销、预付、个人借款,相互拖欠等不合理占用款462万元,占年末贷款总额的116％。针对上述问题,采取了有力措施:一是帮助企业全面实行清产核资,加强流动资金的管理,考核资金使用
The Agricultural Bank of Anqiu County, in the credit work of the social enterprise, fully utilized the method of economic activity analysis to help the enterprise to improve the operation and management and achieved a certain economic effect. Their specific approach is: (a) Conduct a comprehensive analysis. At the beginning of 1982, they organized county-level loan officers to conduct a comprehensive analysis of 156 social enterprises and found that there were three problems in the company: First, some units only paid attention to paving new stalls, building new plants, ignoring the existing enterprises to tap potential, and second, profit distribution. Unreasonably, the county’s social enterprise profits accounted for 34% of its infrastructure, 14% for the enrichment of corporate liquidity, and 2% for the distribution of its members. Third, it is a serious problem for enterprises to use funds in a chaotic manner. The unreasonable occupancy of social enterprise sales credits, prepayments, personal loans, and mutual defaults amounted to 4.62 million yuan, accounting for 116% of the total loans at the end of the year. In response to the above problems, we have taken effective measures: First, to help enterprises fully implement capital verification and management, strengthen the management of liquidity, and assess the use of funds.