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实行贷款直接到库(站)管理,企业分贷分还,银行可以直接参与监督企业资金和实物的运行。优点在于,一是可以及时掌握各库(站)的资金使用情况,对企业的不合理结算资金、个人借款、白条抵库能及时发现,限期归还。二是能遏制企业固定资产、附营业务占用。有利于正确划分信贷资产类型,核实企业对收购资金占用情况,有效维护农发行权益,最大限度地保全信贷资产。但是对山区来说,贷款到库(站)管理存在着一定的困难。由于山大沟深,交通不便,自然条件差,县以下基层粮库(站)点多、面广、比较分散,运作和管理的难度较大。而山区县一级农发行只设立信贷组,由于信贷人员少,也在很大程度上给信贷管理工作带来一定的困难。同时由于农发行县以下不设机构,贷款基本上实行代理,现金供应和结算农发行本身难以完成。针对上述利弊,采取什么样的管理方式,做好和加强对基层贷款的管理工作呢?根据山区的实际情况,笔者认为实行到库(站)管理,目前还不具备客观条件,只有借鉴到库(站)管理的优点,对现行管理方式进行改进和完善,才能更进
The implementation of loans directly to the library (station) management, corporate sub-dividends, banks can directly participate in the supervision of corporate funds and in-kind operation. The advantage is that, firstly, it is possible to grasp the use of funds in each bank (station) in time and to find out the irrational settlement funds, personal loans and white-tax arrival of the enterprise in a timely manner and return it within a specified period of time. The second is to curb the fixed assets of enterprises, attached to business occupancy. It is conducive to correctly classifying the types of credit assets, verifying the utilization of funds by the enterprises, effectively protecting the rights and interests of ADB and ensuring the maximum credit assets. However, for mountainous areas, there are some difficulties in managing loans to the reservoir. Due to the deep mountain ditch, poor transportation and poor natural conditions, grassroots grain depots (stations) under the county are more and more large in size and scattered, which makes it more difficult to operate and manage. However, only a credit group is set up by the ADBC at the mountainous county level. Due to the small number of credit officers, it has also brought a certain degree of difficulty to credit management. At the same time as the Agricultural Development Bank County does not set up the following agencies, loans are basically implemented agency, the cash supply and settlement of agricultural development itself is difficult to complete. In view of the above advantages and disadvantages, what kind of management approach should be adopted to improve and strengthen the management of grassroots loans? According to the actual situation in mountainous areas, I think the implementation of the library (station) management, the current does not have the objective conditions, only learn from the library (Station) management of the advantages of the current management methods to improve and improve in order to go further