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开封市分行全面推行派驻企业信贷专管组这一管理办法一年来,在规范工商信贷管理、防范和化解风险贷款、提高信贷质量等方面,收到较好的效果。(一)防止了新的挤占挪用专管组进驻企业后,按其职责对企业资金流动状况包括购销调存、应收应付帐款、库贷挂钩比例、收购资金筹措到位及挤占挪用等情况,进行全方位、全过程的监测管理,按期进行统计分析,及时查堵漏洞,有效防止了资金的流失,确保了政策性收购资金安全合理运营。一年间,全市信贷专管组共查堵新的挤占挪用77笔,金额3753万元。同时,及时组织了贷款回笼,防止资金流失,仅97年上半年就收回收购贷款1.484亿元。(二)化解了大量贷款风险,提高了信贷资产质量。
In the one year since Kaifeng City Branch implemented the management measures of credit management stationed by enterprises in an all-round way, it has received good results in regulating credit management of enterprises, preventing and resolving risk loans and improving credit quality. (1) After preventing the new occupying and appropriating specialized management team from entering the enterprise, according to their duties, the state of the enterprise’s capital flow including buying and selling, accounts receivable, loan-to-deposit ratio, acquisition financing and diversion, Carry out all-round and whole-process monitoring and management, carry out statistical analysis on schedule, timely check loopholes and effectively prevent the loss of funds, ensuring the safe and reasonable operation of the policy acquisition funds. During the year, the city’s credit management team investigated a total of 77 new misappropriations, amounting to 37.53 million yuan. In the meantime, the loan collection was promptly organized to prevent the loss of capital. In the first half of 1997, only 148.4 million yuan of loans were recovered. (B) to resolve a large number of loan risks and improve the quality of credit assets.