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随着专项贷款业务不剥离的政策明朗化,各级行对专项信贷业务越来越重视。如何管理和经营好专项信贷业务,各级行、尤其是基层行面临着严峻的挑战和考验。笔者拟结合全省农行县级支行专项信贷业务规模较大的钟祥市支行实际谈谈粗浅看法。一、基本情况农行钟祥市支行于1998年4月和1998年12月先后两次接收农业发展银行和人民银行划转贷款,涉及企业94家,贷款金额29594万元,截止2001年8月底,专项业务贷款企业87家,金额31256万元,约占全省农行专项贷款规模的五十分之一,占荆门市分行专项贷款的48%,属全省农行专项信贷业务规模较大的县级支行之一。从企业贷款情况看:扶
With the policy of not pealing special lending business clearer, banks at all levels pay more and more attention to the special credit business. How to manage and manage the special credit business? All levels and especially the grass-roots banks face severe challenges and tests. The author intends to combine with the province’s county-level branch special credit business scale Zhongxiang branch actually talk about the superficial view. First, the basic situation Agricultural Bank of China branch in Zhongxiang City in April 1998 and December 1998 has received twice the Agricultural Development Bank and the People’s Bank of transfer loans, involving 94 companies, the loan amount of 295.94 million yuan, as of the end of August 2001, special The number of business lending enterprises 87, the amount of 312.56 million yuan, accounting for about 1/50 of the province’s special agricultural loans, accounting for 48% of Jingmen City branch of special loans, the province’s special bank credit loans larger county-level branch one. From the corporate loans situation: help