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林业贷款实行“统贷统还”是指林业部门将其所辖区域内发展林业和治沙的贷款企业或项目集中由一个具有法人资格的经济实体承贷承还。近一年来我们本着因地制宜的原则,对林业、治沙贷款“统贷统还”方法进行了尝试,认为该办法是可行的。一、实行“统贷统还”是林业产业发展的要求根据这几年贷款管理的实践,在目前的资金管理供应体制下,实行统贷统还的贷款方法,有利于林业的发展。过去在农业银行管理时期,由于受资金管理体制的制约,往往形成贷款规模与资金相分离,项目与资金相脱节。致使多种经营项目贷款与营林造林项目贷款的比例失调。从1995年起,林业、治沙贷款归农业发展银行管理,为林业提供了一个良好的发展机会和环境。农业发展银行以扶持农业发展为己任,以“保本微利”为经营目标,能使贷款资金与规模相一致,项目与资金相配套,为林业事业的发展和防治沙漠化工作的顺利进行提供了资金保障,而实行统贷统还又为林业部门进行产业化管理创造了极为有利的条件。在现行的信贷体制下,实行“统贷统还”的贷款方
The implementation of forestry loans “unified system” refers to the forestry sector will be under its jurisdiction in the development of forestry and desertification control of the loan business or project focused on a legal entity qualified by the economic entity underwriting loans. In the past year, in line with the principle of local conditions, we tried our best to use forestry and sand control loans for the “unified system of loans and loans”, and considered this approach as feasible. First, the implementation of “unified system” is the development of forestry industry requirements According to the practice of loan management over the past few years, under the current system of supply and demand management, the implementation of unified lending method is conducive to the development of forestry. In the past, during the management of the Agricultural Bank of China, due to the restriction of the fund management system, the loan scale and capital were often separated and the project was out of line with the capital. Resulting in a variety of business loans and forest project afforestation project loan imbalance. Since 1995, forestry and sand control loans have been managed by the Agricultural Development Bank, which has provided forestry with a good opportunity for development and environment. Agricultural Development Bank to support the development of agriculture as its mission to “protect the interests of small profits,” as the business objective, the loan funds can be made consistent with the scale of the project and matching funds for the development of forestry and desertification provided a smooth progress Funds guarantee, and the implementation of the system of unified loans also for the forestry sector industrial management has created extremely favorable conditions. Under the existing credit system, the lender of “unified repayments of loans and loans” is implemented