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2001年以来,农发行怀柔县支行在学习总行制定的《调销贷款管理办法》和分行有关规定的基础上,从转变观念入手,积极稳妥支持购销企业,按照“购得进,销得出,有效益”的原则发放调销贷款。并将调销贷款的管理定位为政策性贷款,实行商业性管理,归纳出八字方针,即:积极、谨慎、严防、死守,取得了较好的经济效益,促进了不合理占用贷款的下降。一、积极:即克服怕担风险、怕担责任的消极思想,积极支持粮食购销企业的调铺业务1.积极转变思想观念,深刻认识调
Since 2001, on the basis of the “Administrative Measures on Cancellation Loans” and the relevant regulations of the branches formulated by the Head Office of Learning, Huafu County Branch of the Agricultural Development Bank has actively and steadily supported the purchase and sale enterprises according to the concept of “ Effective ”principle of disgorgement loan. The management of the write-off loans was defined as a policy-based loan. The implementation of commercial management summarized the eight-character principle: positive, cautious, strict prevention and adherence, achieved good economic benefits and promoted the decline of irrational occupancy loans. First, the positive: to overcome the fear of risk, afraid of responsible negative thinking, and actively support the grain buying and selling business of the shop 1. Actively change the concept of thinking, a profound understanding