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农业开发专项贷款项目期限长、风险大、效益低,需要利息补贴。但目前,在农业开发性贷款管理中还存在着:1.利息补贴、亏损补贴难以及时足额到位,与农发行自主、保本经营、企业化管理相矛盾。2.由于委托代理协议缺乏强有力的制约措施,部分代理行代而不理,造成农业开发贷款管理工作出现“断层”。3.农业开发信贷资产存量质量低,包袱重,划转的农业开发信贷资产质量不高。业务划转后,农业开发信贷资产质量继续下滑,代理行对存量的管理流于形式。4.农业开发性贷款增量有限,项目建成后,流动资金需要无法解决,固定资产与流动资金需求矛盾突出,影响项目发挥正常效益。农业开发信贷工作是农发行工作的窗口之一,农业开发信贷工作的好坏关系到农发行的地位和作用,因此加强农业开发信贷管理刻不容缓,如何加强农业开发信贷管理,我认为从处理好以下几个关系入手。(一)正确处理政策性与效益性的关系。农业开发贷款的本质特性决定其有偿性。同时,办理农业开发专项贷款是政府行为,发放农业开发贷款必须体现其政策界定性。农业开发贷款的这种
Special loans for agricultural development project has a long duration, high risk, low efficiency and requires interest subsidy. However, at present, there are still some problems in the management of agricultural development loans: 1. Interest subsidies and loss subsidies are hard to come into full play in time and in contradiction with the independent, capital preservation and enterprise management of ADBC. 2. Due to the lack of strong control measures in the entrusted agency agreement, some of the agencies did not act on their behalf, resulting in “fault ” in the management of agricultural development loans. 3. Agricultural development Credit assets of low quality, heavy burden, transfer of agricultural development credit asset quality is not high. After the transfer of business, the quality of agricultural development credit assets continued to decline, and the agent’s management of stock was a mere formality. 4. There is a limited increment of agricultural development loans. After the project is completed, the liquidity needs can not be solved. The contradiction between the fixed assets and liquidity needs is prominent, affecting the normal efficiency of the project. Agricultural development credit work is one of the windows of the work of the Agricultural Development Bank, agricultural development credit work is related to the status and role of the Agricultural Development Bank, therefore strengthening the credit management of agricultural development urgently, how to strengthen credit management of agricultural development, I think from the following Several relations to start. (A) the correct handling of the relationship between policy and effectiveness. The nature of agricultural development loans determines its compensation. At the same time, it is the government’s act to handle special loans for agricultural development. Issuing agricultural development loans must reflect its policy definition. Agricultural development loans of this kind