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农发行业务在我行运行一年来,我行坚持代理业务和自身业务并重,严格按照上级有关规定,坚持按审贷分离的要求运作,较为圆满地完成了支持粮棉油的收购、储备、调销和加工任务;从清理经营性业务占用贷款入手,落实了部份担保抵押,有效的降低了农发行信贷资产的综合风险度,6月末,该行的综合风险度为0.93,比划转业务时降低了0.08,但在实际工作中,我们体会到要实现农发行信贷资金的良性循环和规范化管理,还存在着很多困难,归纳起来有以下几点:一、两交叉,两并行,机构未理顺。即:银行代理和自理业务交叉,企业政策性和经营性业务交叉,在省以下,银行和企业都属于两个牌子一套人马在经营管理,这种运行机制带来了以下一些问题。第一,从银行来看,业务交叉,给季节性的资金相互占用,汇差清算等带来很多难题,自理和代理一套人马,
In the first year of operation of the Bank, CCB insisted on equal emphasis on agency business and its own businesses. It strictly adhered to the relevant provisions of the higher authorities and insisted on the operation in accordance with the requirements of separation from trial and loan, and successfully completed the acquisition, reserve and adjustment of grain and cotton oil Sales and processing tasks; starting with the liquidation of occupancy loans of operating businesses, the implementation of partial guarantee mortgages effectively reduced the overall risk of ADBC’s credit assets. At the end of June, the comprehensive risk of the bank was 0.93, When the actual work, we realize that to achieve a virtuous circle and standardized management of the Agricultural Development Bank credit funds, there are still many difficulties, summed up the following points: one or two cross, two parallel, institutional Straighten. That is, bank agents and self-care business cross, business policy and business cross, below the province, banks and businesses belong to two brands in a business management, this operating mechanism has brought some of the following issues. First, from the point of view of the bank, cross-cutting businesses bring about mutual sequestering of seasonal funds and exchange-settlement and liquidation which bring about many problems, taking charge of themselves and acting as agents.