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汉中地区百货采购供应站在汉中市工商银行的协助下,从1984年三季度实行存贷分户管理.实践证明,这项改革对促进企业加强资金调度,改进经营管理,提高经济效益,切实发挥了信贷的经济杠杆作用.该站9～11月全部流动资金占用比上年同期减少18.46%;资金周转加快14天,利息支出减少1.2万元.具体作法是: 一、算细帐,消除思想顾虑.由于商业贷款长期来实行的是存贷合一,感到手续简便,对存贷分户都有不同的思想顾虑.企业怕存贷利差负担大,怕计划不周罚息大;银行会计怕帐户多,工作量增大.通过共同学习存贷分户管理办法,认真匡算两种方式的利率差距帐,从而统一了认识,消除了顾虑.对计划内贷款一次立据一次贷出,利率优惠为
With the assistance of the Hanzhong District Industrial and Commercial Bank of China, the Hanzhong District Department Store Purchasing and Supply Department implemented the deposit and loan household management from the third quarter of 1984. Practice has proved that this reform promotes enterprises to strengthen fund scheduling, improve management and management, increase economic efficiency, and effectively bring into play. The economic leverage of credit was used. From September to November this year, the total liquidity was reduced by 18.46% from the same period of last year. The cash flow was accelerated by 14 days and the interest expense was reduced by 12,000 yuan. The specific approach is: 1. Calculate the ledger and eliminate the idea Concerns. As commercial loans have been implemented for a long period of time, they are fluent in deposits and loans. They feel that the procedures are simple and they have different ideological concerns for depositing and deciding households. Enterprises are afraid that the burden of deposit-loan spreads is too great, and that they are afraid of bad plans. Bank accounting We are afraid that there will be more accounts and the workload will increase. We will earnestly calculate the interest rate gap account of the two methods by jointly learning the method of management of deposits and loans, thus unifying our understanding and eliminating concerns. Offer is