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中国人民银行制定的《贷款通则》（以下简称（通则》是我国建国以来第一部系统、全面的信贷管理制度。它的颁布实施,对规范借贷行为、明确借贷双方责任、保护银行信贷资产安全起到了重要作用,为进一步推动《通则》的宣传、落实工作,我们对巴马县贯彻实施《通则》的情况进行一次全面检查,发现存在不少问题。 一、宣传力度不够。在调查的50个部门、单位中,有47％的单位对《通则》一无所知,这主要是政府部门及厂矿企业等,甚至在《通则》于8月1日颁布实施后,还有企业借11月8日该县县庆之机向政府有关部门打报告申请银行贷款,政府批示银行放贷的现象。这明显地侵犯了《通则》第二十二条规定的有关贷款人的权利。在银行部门,对《通则》全面、深入了解的也不多,认为《通则》并无新意,认为无非是换汤不换药,是旧信贷管理制度的翻版的约占10％。
The General Rules on Loans made by the PBC (the “General Rules for Loans” is the first systematic and comprehensive credit management system since the founding of our People’s Republic of China. Its promulgation and implementation of the “Rules for Loan Regulation” and the responsibilities of both lenders and borrowers to protect the safety of bank credit assets In order to further promote the promotion and implementation of the General Rules, we conducted a comprehensive inspection on the implementation of the “General Rules” in Bama County and found that there were many problems. First, the propaganda efforts were not sufficient. In the survey of 50 47% of the units and units knew nothing about the “General Rules,” mainly government departments and factories and mines. Even after the “General Rules” were promulgated on August 1, some enterprises borrowed from November On the 8th, the prefectural county Qingzhi Machine made a report to the government departments to apply for a bank loan and the government instructed the bank to lend money, which apparently violated the lenders’ rights as stipulated in Article 22. In the banking sector, There is not a lot of comprehensive and in-depth understanding of the “General Rules,” saying that the “General Principles” have nothing new to think is nothing more than a replacement of the old credit management system 10%.