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笔者结合开发性贷款运作实践,对代理制下做好开发信贷工作谈点浅见。一、明确开发性贷款运作政策目标,增加开发性贷款有效投入我们对开发性贷款的种类、范围、计划申报、贷款审批、存量管理、增量分配原则提出了明确的要求。确定了合理扩大开发贷款规模,优化存量结构,加大管理力度,支持农村经济再上新台阶的经营目标。同时,强调在代理制下,开发信贷工作要坚持四条原则:在贷款投向上要符合政策目标,贷款操作上要符合有关法规,贷款要及时足额到位,贷款使用上要发挥效益。处理好四个关系:开发性贷款政策性与效益性的关系,自主经营与部门配合的关系,加强管理与改善服务的关系,农、农发两行委托代理
The author combines the operation of the development of lending practice, do a good job on the development of credit agency under the proxy talk. I. Defining the Operational Policy of Development Loans and Increasing the Effective Investment of Development Loans We have put forward specific requirements on the types and scope of development loans, the declaration of plans, the approval of loans, the stock management and the principle of incremental distribution. It has determined the business objective of rationally expanding the scale of development loans, optimizing the stock structure, intensifying management and supporting the rural economy to a new level. At the same time, it emphasizes under the agency system that credit development should adhere to four principles: to meet the policy goals in respect of loan investment, to comply with relevant laws and regulations in the operation of loans, to ensure that loans are available in full and on time and that loans are to be used in an effective manner. Deal with the four relationships: the relationship between the development of the policy-oriented and efficiency of loans, the relationship between self-operation and departmental cooperation, strengthen the relationship between management and improvement of services, and entrust the two agencies of agriculture and rural development