论文部分内容阅读
2001年,面对棉花种植面积、产量成倍增加和棉农售棉积极性空前高涨的实际情况,农发行陕西渭南市分行深入实际调查研究,积极参与棉企改革,抓质量、控价格,积极防范信贷资产风险,保证了棉花流通体制的平稳过渡,走出了一条有效贯彻“以销定贷、以效定贷”信贷政策的新路子。渭南市地处关中平原东部,棉花种植历史悠久,棉花产量、收购量占陕西省的90％以上。为了支持当地棉花企业积极参与市场竞争,提高棉花信贷管理水平,农发行渭南市分行认真按照棉花信贷政策把握收购贷款运作,一是严格贷款对象。要求棉花购销企业除了具有法人资格取得营业执照以外,还必须有省级有关部门批准颁发的收购、加工资格认定书和消
In 2001, Faced with the actual situation of cotton acreage, doubling of output and unprecedented enthusiasm of cotton farmers to sell cotton, Weinan Branch of the Agricultural Development Bank of Shaanxi conducted in-depth investigations and studies, took an active part in the reform of the cotton enterprises, paid attention to quality, controlled prices and actively prevented credit Asset risk ensured the smooth transition of the cotton circulation system and stepped out of a new path of effectively carrying out the credit policy of “fixing sales and lending in order to limit loans”. Weinan City is located in the eastern Guanzhong Plain, cotton has a long history of planting, cotton production, the acquisition of Shaanxi Province accounted for more than 90%. In order to support the local cotton enterprises to actively participate in market competition and raise the level of cotton credit management, the Weinan Branch of Agricultural Development Bank earnestly grasped the operation of acquisition loans in accordance with the cotton credit policy. First, it strictly controlled the loans. Requires cotton buying and selling enterprises in addition to having legal personality to obtain a business license, but also must be approved by the provincial departments concerned issued the acquisition, processing qualification and cancellation