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实行贷款与库存挂钩的信贷管理办法,是加强农业政策性贷款的管理,确保农业政策性贷款封闭运行,实现资金良性循环的重要措施之一。坚持国家专项储备贷款与库存挂钩也是加强国家专项储备贷款管理的重要内容,国家专项储备贷款的增减变化应随着库存的增减变化而变化,即库存增加,贷款相应增加;库存减少,贷款也相应地下降。只有这样,才能使贷款运动与物资运动有机地结合起来,才能不断提高国家专项储备贷款的物资保证率,从而管好、用好国家专项储备贷款,确保国家宏观调控能力的有效发挥。国务院决定成立农业发展银行,就是为了加强对农业政策性贷款的管理。在整个农业发展银行负责办理的政策性贷款业务中,国家专项储备贷款又是政策性最强的业务。然而,由于诸多因素的影响,目前国家专项储备贷款与库存之间存在着不相符合的问题。本文对这一问题做具体的分析。去年以来,国家为了平抑物价,稳定市场,保障军需民用,赈灾救急,多次调拨抛售国家专项储备粮食。到今年6月
The implementation of the credit-linked management of loans and inventories is one of the important measures to strengthen the management of agricultural policy loans, ensure the closed operation of agricultural policy loans and realize the virtuous circle of funds. Adhere to the national special reserve loans linked with the inventory is also an important part of strengthening the national special reserve loan management. The increase and decrease of national special reserve loans should change with the increase or decrease of stocks, which means the inventory increases and the loans increase correspondingly; the inventory decreases and the loans Also dropped accordingly. Only in this way can we combine the loan movement with the material movement in order to constantly improve the material guarantee rate of the national special reserve loan so as to manage and make good use of the national special reserve loan so as to ensure the effective implementation of the state’s macro-control capability. The decision of the State Council to set up an Agricultural Development Bank is to strengthen the management of agricultural policy loans. Among the policy-based loan businesses handled by the entire Agricultural Development Bank, the state-specific reserve loans are the most policy-oriented businesses. However, due to the influence of many factors, there is an inconsistent problem between current state-specific reserve loans and inventories. This article makes a concrete analysis of this issue. Since last year, in order to stabilize prices, stabilize the market, safeguard military supplies and civilian use, and provide disaster relief and emergency assistance, the state has repeatedly allocated and sold state-specific reserves of grain. By June this year