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一、存在的主要问题及难点(一)还贷意识淡薄,造成资金沉淀。多年来,由于不少干部和群众把扶贫专项贷款视为“救济型”的民政款,将扶贫贷款看作补贴性的财政款,认帐不认还。1987年我县发地膜苞谷贷款80万元,当年粮食增产丰收,农民仅此一项增加收入400多万元,而还款甚少,至今还有30万元尚未收回。更为严重的是少数乡村企业在更换法人和签订承包合同时,只签上交的管理费和税费,不提还贷之事,将扶贫贷款本金、利息甩在一边。(二)为求政绩,盲目上项,贷款效益差,回收难度大。截至1995年底,湖北省房县到逾期催收扶贫贷款达2168万元,占贷款余额的40.6%。近年,银行作了很多努力,才收回404万元,仅占应收总数的18.6%。收款难,其主要原因不外乎:1.部分镇干部为求政绩盲目上项。自1988年以来房县扶贫贷款用于工业、加工业项目的达70个,其中不能正常付息和
First, there are major problems and difficulties (A) weak repayment of loans, resulting in capital precipitation. Over the years, many cadres and the masses regarded the special poverty alleviation loans as “relief-type” government subsidies, and the poverty alleviation loans as subsidized financial funds, and debit payments are not rewarded. In 1987, the county made a film bud Baogu loan 800,000 yuan, when the grain yield increased harvest, farmers only increase an income of more than 400 million, while the repayment is very small, so far there are 300,000 yuan yet to be recovered. What is more serious is that when a small number of rural enterprises replace legal entities and sign contractual contracts, they only pay management fees and taxes that they hand over, refusing to pay back the loans, and turning aside the principal and interest of poverty-stricken loans. (B) for the sake of performance, blind on the item, poor loan efficiency, recycling difficult. By the end of 1995, Fang County, Hubei Province, had collected 21.68 million yuan of loans for overdue poverty relief loans, accounting for 40.6% of the loan balance. In recent years, the Bank made a lot of efforts to recover only $ 4.04 million, accounting for only 18.6% of the total receivables. Receipt difficult, its main reason is nothing more than: 1. Part of town cadres blind pursuit of performance on the item. Fangxian poverty alleviation loans have been used in industrial and processing projects since 1988 up to 70, of which the normal interest payment and