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多年来银行对供销社贷款管理偏松,导致供销社贷款滥用浪费,使大量资金造成潜伏性沉淀和呆滞的问题。1985年我们通过摸索,在几个区供销社试行了按“六定”办法核贷,都收到了较好的效果,深受基层供销社和银行营业所的普遍欢迎,得到市政府和地区行署的赞扬和肯定。1986年全市24个基层供销社都是用这个办法核贷的。所谓“六定”,就是定商品资金比例(占全部流动资金的比例),定非商品资金比例,定结算资金比例,定资金周转次数,定商品销售额,定银行贷款额度。在具体实施中,应抓好五方面的工作。一是正确核定基数。这是搞好“六定”的前提和基础。为了把基数核定得比较合理,应根据各个基层核算单位的不同情况分别核定。商品资金比例、非商品资金比例、结算资金比例和资金周转次数,可根据前三年平均实绩,结合上年的执行结果,并参照一些理论数据核定;商品销售额以县供
Over the years, banks have loosely managed the loan management of supply and marketing cooperatives, resulting in the misuse of loans for supply and marketing cooperatives, causing large amounts of funds to cause potential problems of precipitation and sluggishness. In 1985, through trial and error, we tried to implement a “six-finished” approach to nuclear loans in several district supply and marketing cooperatives. We received good results and were generally welcomed by grass-roots supply and marketing cooperatives and bank offices. We were given municipal government and regional agencies. The praise and affirmation. In 1986, 24 grass-roots supply and marketing cooperatives throughout the city used this method to make a loan. The so-called “six-setting” is the ratio of fixed commodity funds (total liquidity ratio), the proportion of non-commodity funds, the proportion of fixed settlement funds, the number of fixed capital turnovers, the sales of fixed commodities, and the amount of bank loans. In the specific implementation, we must do a good job in five aspects. The first is to correctly verify the base number. This is the premise and basis for doing a good job of “six settings”. In order to make the base number more reasonable, it should be determined separately according to the different circumstances of each basic accounting unit. The ratio of commodity funds, non-commodity funds, settlement funds and turnover of funds may be based on the average performance of the previous three years, combined with the results of the previous year’s implementation, and with reference to some theoretical data; commodity sales are provided by the county