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1993年以来,文山县农业银行工商信贷部门积极探索强化信贷管理的途径,切实转换与市场经济不相适应的信贷管理体制,提高了资金使用效益和信贷资产质量。他们的主要做法是:(一)实行“统贷分存”集团担保的管理办法。供销粮食企业经营政策性较强,大部分企业自有流动资金较少、亏损较大、物资保证严重不足,贷款风险较大,不符合贷款条件。而不对其贷款,又会影响农业生产资料供应和出现粮食及其它农副产品收购打“白条”的现象。在现有信贷原则与企业特殊实际相矛盾的情况下,切实转换信贷管理机制,对供销和粮食企业的贷款实行“统贷分存”集团担保的管理办法,即对这两个系统企业的贷款全部由主管部门向农行承贷承还,所属企业所需的资金,由其主管部门根据其实际需要调剂给各企业专户存储,周转使用,所属企业的法人地位不变更,全部组成集团,将所有资产用于担保
Since 1993, the WBC Department of Commercial and Commercial Credit of Agricultural Bank of Wenshan County has actively explored ways to strengthen credit management, effectively changed the credit management system that is incompatible with the market economy, and improved the efficiency of capital utilization and the quality of credit assets. Their main approach is: (A) the implementation of “corporate credit sharing ” group guarantee management approach. Supply and marketing grain enterprises operating policy is strong, most of the enterprise’s own liquidity less, a larger loss, a serious lack of material assurance, a larger loan risk, does not meet the loan conditions. Without its loans, it will affect the supply of agricultural means of production and the emergence of the acquisition of “white stripes” of grain and other agricultural and sideline products. Under the existing contradictions between the existing credit principle and the special practice of the enterprise, the Bank effectively transforms the credit management mechanism and implements the management method of “corporate credit sharing” and “group guarantee” for the loans to the supply and marketing enterprises and grain enterprises, that is, to the two system enterprises Of the total loans by the competent authorities to the Agricultural Bank of China to undertake the loan, the funds required by their business, the competent authorities according to their actual needs of the special accounts transferred to the enterprise storage, working capital use, the corporate status of the subsidiary does not change, all of the group All assets are used for guarantee