近几年来,由于各方面的原因,大量的政策性贷款被收购企业挤占挪用,不仅严重影响了农业政策性贷款的质量,而且也给收购农副产品资金供应造成了较大的压力。下面,结合实践中遇到的问题谈一谈粮棉油政策性贷款管理的基本思路。第一,要确立“四个目标”。一是库贷比例要提高;二是挤占挪用要减少;三是利息收回率要完成;四是销货款归行率要达标。第二,要突出“五个重点”。一是清理他行存款和帐户,凡粮棉油政策性企业应一律在农发行开立基本帐户,并办理结算业务,已经在他行开立的,要取得当地人民银行的支持,限期取消。对于个别 In recent years, due to various reasons, a large number of policy loans have been diverted by the acquiring enterprises, which not only seriously affected the quality of agricultural policy loans, but also put a great deal of pressure on the acquisition of agricultural and sideline products. The following, combined with the problems encountered in practice to talk about the policy of grain and cotton oil-based management of the basic ideas. First, we must establish “four goals ”. First, the proportion of loans to be improved; Second, to divert diversion to reduce; Third, the interest rate to be completed; Fourth, the rate of return of goods to meet the standard. Second, we should highlight “five key ”. First, clean up his bank deposits and accounts, where the grain and cotton oil policy-oriented enterprises should be in the Agricultural Development Bank to open a basic account, and for settlement operations, has been opened in his line, to obtain the support of the local People’s Bank, the deadline for cancellation. For individual