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政策性工商贷款是中国农业发展银行的一项主体业务,因而是农发行信贷管理和风险防范的重点。建立与完善政策性工商信贷风险防范与化解体系,是实现粮棉油收购资金封闭运行和良性循环的客观要求。本文结合江西的具体情况,就建立与完善工商贷款风险防范与化解体系的方法、步骤问题进行一些探索,以供商讨。 (一)建立和完善收购资金供应机制收购资金的供应机制包括收购资金的筹措、发放和帐户管理,完善收购资金供应机制,是构筑贷款风险防范体系的第一步。第一,切实加强各级政府对收购资金筹措工作的领导,进一步完善在政府统一领导下的分级分部门筹资责任制。第二,强化资金供应的帐户管理。根据江西省近两年来在实践中摸索和总结起来的一套管理模式,主要是根据收购企业资金
Policy-based business loans are a major business of China Agricultural Development Bank and are therefore the focus of credit management and risk prevention of ADB. Establishing and perfecting the system of precaution and resolution of credit risk in industrial and commercial loans is an objective requirement to realize the closed operation and virtuous cycle of the acquisition of grain and cotton oil. Based on the specific circumstances of Jiangxi, this article explores the methods and steps for establishing and improving the risk prevention and resolution system for commercial and industrial loans for discussion. (1) Establishing and Improving the Mechanism for Purchasing Funds for Supply Mechanism The mechanism for the acquisition of funds includes the financing, issuance and account management of acquisition funds and the improvement of the supply mechanism for acquisition funds, which are the first steps in building a loan risk prevention system. First, we must earnestly step up the leadership of all levels of government in the acquisition fund-raising work and further improve the responsibility system for grading and sub-sector fund-raising under the unified leadership of the government. Second, strengthen the account management of the supply of funds. According to Jiangxi Province in the past two years in practice, explore and sum up a set of management models, mainly based on the acquisition of corporate funds