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化解农发行不良信贷资产的思路1、对于国有大型粮食及农业企业,政府、银行、企业要达成共识,三方联动共同化解风险。由于大型粮食及农业企业事关大局,作用较大,其地位也较为特殊,在化解这些企业的不良信贷资产时,农业发展银行要依托政府的经济职能,与政府和企业达成共识,力争对这些企业的信贷资金进行封闭管理,减少各职能部门对企业的不正常干扰,杜绝对企业的乱摊派、乱收费,最大限度地减少企业的负担。同时农发行在安排这些企业流动资金贷款方面,预以适当优先,使这些企业能逐步走上良性循环的轨道。2、对于一些规模较小,但经营体制较为灵活的中小企业,农发行要充分利用其网点分布广,信息灵通的行业优势,
The solution to the bad credit assets of the Agricultural Bank of China 1, For state-owned large-scale grain and agricultural enterprises, governments, banks and enterprises to reach a consensus, the three parties work together to resolve risks. As large-scale food and agriculture enterprises have a large role to play in the overall situation and their role is rather special, in resolving the bad credit assets of these enterprises, the Agricultural Development Bank should rely on the economic functions of the government to reach a consensus with the government and enterprises and strive to achieve these goals Enterprises credit funds for closed management, reducing the various functional departments of the enterprise’s normal interference, eliminate the indiscriminate apportionment of enterprises, indiscriminate charges, to minimize the burden on enterprises. At the same time, ADBC should give due priority to arranging these enterprises’ liquidity loans so that these enterprises can gradually embark on a virtuous cycle. 2. For some small and medium-sized enterprises that are relatively small in size and flexible in operating system, the ADBC should make full use of the advantages of its branches which are widely distributed and well-informed.