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保证农业政策性贷款及时、足额到位和国家重点产业政策的实现,是农业发展银行信贷管理的基本要求。根据我行机制现状和这一基本要求,我们对今年农业综合开发贷款管理方式作了一些调整。在此,我就进行农业综合开发贷款管理方式调整的思路和想法说明如下,与大家一起商讨。一、总行对所报农业综合开发贷款项目进行原则批复,是加强宏观管理的需要。改变上报意向性贷款项目计划的习惯做法,是总行批复的贷款项目及时足额到位的保证(一)从农业综合开发贷款资金来源结构来看,在总行手里直接掌握的是国家资金。对这项资金管理的好坏,直接关系着国家财政资金的损失程度。这一特征决定总行承担了农业银行总行不需要完全承担的借款人的责任和义务。所以,总行作为仅有两级经营管理行中的一级行,履行这种责任和义务的方法必然不同于农业银行总行。这就要
It is the basic requirement for credit management of Agricultural Development Bank to ensure that the agricultural policy loans are put in place in time and in full amount and the state’s key industrial policies are realized. According to the current situation of our bank mechanism and this basic requirement, we made some adjustments to this year’s comprehensive management of agricultural development loans. Here, I will carry out the comprehensive development of agriculture loan management approach to adjust the ideas and ideas are as follows, to discuss with everyone. I. The head office approved the principle of the comprehensive agricultural development loan project as reported, which is to strengthen the need of macro management. Changing the habit of reporting intentions of loan projects is a guarantee for the loan projects approved by the head office in time and in full. (1) From the source structure of comprehensive agricultural development loans, state funds are directly held in the headquarters. The quality of this fund management, is directly related to the extent of the loss of state financial funds. This characteristic determines that the head office shoulders the responsibility and obligation of the borrower that the head office of Agricultural Bank does not need to fully assume. Therefore, the head office, as the first tier of two operating management banks, will inevitably be different from the head office of ABC in fulfilling such responsibilities and obligations. This is necessary