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一、棉花调销贷款的运行情况。1999棉花年度,河南省分行共向9个市、县棉花企业分23批(次)投放棉花调销贷款20069万元,调入棉花36.9万担。至2000年8月末已销售26.3万担,占调入总量的71％,累计实现销售收入16813万元;从中收贷16044万元,占贷款总额的80％;收息267万元,(其中从销售利润中收历欠利息为45万元),占应收当期利息的120％;企业财务资金502万元。其中南阳、许昌、鹤壁等5个棉花企业调销棉花全部销出,贷款本息全部收回,其他企业的调入棉花预计9月底前能全部销售出去。“以销定贷,以效定贷”对棉花信贷管理所产生的积极作用初步显现。但是,棉花调销贷款运行中也存在一些问题。在发放调销贷款的9个棉花企业中,还有开封、三门峡、商丘的3个企业未实现调销平衡,其中开封市棉麻公司调入棉花16万担,销售9万担,购销率为56％,与“以销定贷,以效定贷”的要求背离较
First, the operation of cotton write-off loans. In the 1999 cotton year, branches in Henan Province put cotton marketing loans of 2006.09 million into 23 batches (times) to 9 cities and counties and transferred 369,000 tons of cotton. By the end of August 2000, it had sold 263,000 dartboards, accounting for 71% of the total amount transferred, with a total sales revenue of 168.13 million yuan; loans and loans of 160.44 million yuan, accounting for 80% of the total loans; and a yield of 2.67 million yuan, of which From the sales profit received interest owed interest of 450,000 yuan), accounting for 120% of current interest receivables; corporate finance capital 502 million. Among them, 5 cotton enterprises in Nanyang, Xuchang and Hebi sold all their cotton, and all principal and interest loans were fully recovered. The cotton transferred to other enterprises is expected to be sold by the end of September. The active role of “fixing loans by loans and fixing loans by effectiveness” has initially appeared in the management of cotton credit. However, there are also some problems in the operation of cotton write-off loans. Among the nine cotton enterprises that issued the write-off loans, there were also three companies in Kaifeng, Sanmenxia and Shangqiu that failed to achieve the balance of sales cancellation. Among them, Kaifeng Cotton & Linen Company transferred 160,000 dan of cotton and sold 90,000 dan, the purchase and sale rate was 56%, deviating from the requirement of “fixing loans by sales and taking effective loans”