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计算利息是收息工作的基础和前提,准确无误的计算,对农发行提高自身经营效益,增强社会信誉度,实现收购资金持续稳定封闭运行至关重要。但从重庆市分行的实际情况看,仍有少数支行经营核算意识淡薄,对利率政策学习不够,把握不准,致使计息差错的情况时有发生。主要表现为:一是贷款到期不按规定展期。二是借款合同要素填写不全。三是贷款形态反映不够准确,调整不够及时,造成借据金额大于实际贷款余额的差错。四是不严格执行人民银行利率政策,随意抬高或降低利率政策标准。五是银行内部配合不融洽,信息传递不完善、不及时等。
Calculating interest is the basis and premise of the income-taking work. Accurate calculation means that it is very important for the Agricultural Development Bank to improve its own operating efficiency, enhance social credibility, and realize the steady and closed acquisition of funds. However, according to the actual situation of Chongqing Branch, there are still a few branches that have a weak awareness of accounting, lack of interest rate policy, and uncertainties in interest rate policy. Mainly as follows: First, the loan expires in accordance with the provisions of extension. Second, the elements of the loan contract is incomplete. Third, the form of loans is not accurate enough, and the adjustment is not timely enough, resulting in errors in loans greater than the actual loan balance. Fourth, the People’s Bank of China will not strictly implement the interest rate policy and arbitrarily raise or lowering the interest rate policy. Fifth, the bank’s internal cooperation is not harmonious, the information is not perfect, not timely and so on.