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在市场经济当中,企业是第一性的,银行是第二性的,银行经营受贷款投放对象的制约。我行棉花贷款管理是否能达到预期效果,无疑受棉花企业经营的影响,而企业的经营要受市场的左右。目前我国棉花库存在一亿六千万担左右,而国内需求是5000万担,只相当于三分之一,且每年还要收上来7000万担左右,供大于求的局面非常严峻。世界棉花产量预计1999年度将达到1930万吨,比1998年多70万吨,比预计消费量也高出10万吨。因此世界棉花价格短期内也难止跌势。在这种形势下,我行棉花贷款的管理难度是可想而知的。要改变这种局面,改善棉花贷款管理的外部环境,
In the market economy, the enterprise is the primary one, the bank is the second one, and the bank operation is subject to the loan object. Whether our cotton loan management can achieve the expected result is undoubtedly affected by the operation of cotton enterprises, and the operation of enterprises depends on the market. At present, China’s cotton stockpile is about 160 million, while its domestic demand is 50 million, equivalent to only one-third, and it still needs to close 70 million or so each year. The situation of oversupply is very serious. World cotton production is projected to reach 19.3 million tons in 1999, 700,000 more tons than in 1998, and 100,000 tons more than the estimated consumption. Therefore, the world price of cotton in the short term is also difficult to decline. Under such circumstances, it is quite conceivable that the management of our cotton loans will be very difficult. To change this situation and improve the external environment for cotton loan management,