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“以销定贷”按字面意思理解,就是根据销售数量确定贷款限额。按照农业发展银行全国信贷工作会议精神,在发放2000年棉花贷款时,就要区别不同情况,采取不同的限额核定办法。对已签订合法规范的销售合同的企业,可按合同确定的销售数量、等级,根据收购价格测算资金需求量,等额确定贷款限额。对没有合法规范的销售合同,但有正常稳定的销售渠道的企业,可按预计全年销售数量、收购值的一定比例确定贷款限额。一般对“以销定贷”的理解都局限于
“To sell loans fixed” literally understood, is to determine the loan amount based on sales. In accordance with the spirit of the National Credit Working Conference of Agricultural Development Bank, when issuing loans for cotton in 2000, different situations should be differentiated and different quota verification methods adopted. Enterprises that have legally and legally signed sales contracts may determine the loan quota according to the quantity and grade of sales determined according to the contract and the demand for funds according to the purchase price. For enterprises that do not legally regulate their sales contracts but have normal and stable sales channels, the loan quotas can be determined according to the estimated annual sales volume and a certain percentage of the purchase value. Generally, the understanding of “fixing loans by selling” is limited to