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由农业银行、工商银行、人行划转出来的并由农业发展银行统一管理农业政策性贷款,主要包括粮油收购、扶贫、农业综合开发贷款等,至今年五月末,全省贷款余额已达237899万元(未含人行在划转中的13000万元贫困地区扶贫贷款和贫困市县县办工业贷款),它是不同时期国家农业政策性贷款的累积,具有五大特点:——粮油购、销、调、存贷款所占比例大,但流动性小。至今年五月末,粮油收购贷款余额为178287万元,占全行各项贷款余额的74.8%。其主要表现在:财政挂帐占用严重,导致贷款自身流动性极小。据统计,历年财政挂帐占用贷款达125000万元,企业自补未补挂帐6500万元,没有实物抵押担保贷款10000万元,三项合计142000万元,占粮油收购贷款余额79.6%。比全国粮食大省四川省31.3%的财政挂帐高1.54倍。——农产品生产环节投入大,加工、流通环节投入小。引自1989-1994年扶贫贷款统计,投入于前一环节的项目和金额分别为总量的92%和87.25%,在有些贫困市县这一比例
By the Agricultural Bank of China, Industrial and Commercial Bank of China, People’s Bank transferred out by the Agricultural Development Bank unified management of agricultural policy loans, including grain and oil acquisitions, poverty alleviation, agricultural development loans, etc., to the end of May this year, the province’s loan balance has reached 2,378.99 million Yuan (not including the 130 million yuan poverty alleviation loans in poor areas and the industrial loans made by counties and counties in impoverished cities), which is the accumulation of agricultural policy loans of different countries in different periods and has five major characteristics: - grain and oil purchase, sales, Transfer, deposits and loans account for a large proportion, but the liquidity is small. As of the end of May this year, the balance of purchase of grain and oil loans was 1,782.77 million yuan, accounting for 74.8% of the total loan amount of the entire bank. Its main manifestations are: the financial accounts held up serious, resulting in a very small liquidity of the loan itself. According to statistics, over the years, the financial loans held by banks totaled 1.255 billion yuan. The enterprises did not make up the loan of 65 million yuan since the end of the financial year. There was no real mortgage loan of 100 million yuan. The three projects totaled 1.42 billion yuan, accounting for 79.6% of the total loan purchase of grain oil. Which is 1.54 times higher than the 31.3% of the national grain province in Sichuan Province. - Production inputs into agricultural products, processing, circulation and small investment. Cited from 1989-1994 poverty alleviation loans statistics, investment in the previous part of the project and the amount of 92% and 87.25% of the total, respectively, in some poor counties in this ratio