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目前银行信贷部门一般采用按定额流动资金计划周转期确定超定额贷款偿还期限,要求企业超定额贷款的周转期达到定额流动资金的周转期.但由于银行对企业采用存贷分户办法管理,规定企业同一天不能又还又借;帐面有存款,需要贷款时先要利用帐面存款;有到期托收付款,前一天要准备资金等.这些具体规定虽然是必要的,但与超定额贷款周转期的要求有矛盾.因为定额流动资金周转期是按企业全部销售收入计算的,体现这些收入的银行存款,由于前述规定不能全部用来归还超定额贷款,而要用相当一部分直接支付到期托收或其他应付款项,这就直接影
At present, the bank’s credit department generally adopts a fixed-period capital fund plan turnover period to determine the over-quota loan repayment deadline, requiring the over-quota loan turnover period to reach the fixed-working capital turnover period. However, as the bank adopts a deposit-and-loan-based approach to the management of enterprises, regulations On the same day, companies can’t borrow money again; they have deposits on their books, they need to make use of book deposits when they need loans, they have to collect payments due on maturity, and they need to prepare funds the day before. These specific regulations are necessary, but they are over-quota. The requirements for loan turnover period are contradictory. Because the fixed working capital turnover period is calculated based on the total sales revenue of the company, the bank deposits reflecting these incomes cannot be used to repay the over-quota loans because of the foregoing regulations, but they need to pay a considerable portion of them directly. Period collection or other payables, which directly affects