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开发性贷款是农业发展银行支持国家重点产业发展的专项贷款。建行以来,由于信贷部门对政策性金融管理不熟悉,认识还停留在农行农贷管理水平上。因此,需要积极探索加强开发性贷款管理的有效方法,正确认识宏观管理在农业综合开发信贷管理中的重要作用。一、信贷管理观念意识的偏差及主要问题(一)各级信贷部门的职责范围界限模糊,突出表现为混淆宏观管理与微观管理的具体内容,错把总行对贷款项目计划的宏观调控管理视为总行不分层次的越级越权管理。(二)片面强调贷款的政策性。对地方政府把政策性银行看作财政部门,片面强调发展某一项目,而忽视项目可行性的现象不加抵制,盲目地将信贷资金投到不具备贷款基本条件的项目上。
Development loans are special loans that Agricultural Development Bank supports the development of key national industries. Since the establishment of CCB, due to the fact that the credit department is not familiar with policy-based financial management, awareness still stays on the management level of agricultural bank loans. Therefore, it is necessary to actively explore effective ways to strengthen the management of development loans and correctly understand the important role of macroeconomic management in the comprehensive management of agricultural credit. I. Deviations and Major Problems in Consciousness of Credit Management (I) Ambiguities in the scope of duties of credit departments at all levels highlight the concrete content of confusing the macro-management and micro-management and mistakenly regard the macro-control management of the loan program as the head office Head office regardless of the level of ultra vires management. (B) one-sided emphasis on the policy of the loan. The local government regards the policy bank as the financial department, unilaterally emphasizes the development of a certain project, neglects the feasibility of the project without any resistance and blindly puts the credit fund into the project that does not have the basic conditions of the loan.