我们鲁山县副食品公司下设一个批发部,四个批零商店和一个食品加工厂。往年都是各单位直接向银行贷款,有的单位贷的款暂时不用,也不提前还贷,浪费了资金,多付了利息;而有的单位却因一时贷不到款,影响了业务开展。今年我们对商品流转借款实行了统贷分存,即由公司一家向银行贷款,然后根据各单位的需要分解下去,并收取利息。由于实施了这一办法,今年上半年银行贷款比去年同期下降了41.1%,利息支出下降了37%,节约了资金和费用。 We Lushan County Food Company under a wholesale department, four wholesale and retail stores and a food processing plant. In previous years, all units directly borrowed from the banks. Some units did not borrow money temporarily and did not repay the loans early. They wasted money and overpaid the interest. However, some units did not benefit from the loans because of the temporary loans. . This year, we implemented a unified loan repayment on the circulation of goods, that is, a loan from a bank to a bank is made, and then, according to the needs of each unit, it is decomposed and interests are collected. As a result of this measure, bank loans in the first half of this year dropped by 41.1% over the same period of last year, interest expenses dropped by 37%, saving money and costs.