论文部分内容阅读
随着国家粮食购销政策的调整,退出保护价收购范围的粮食品种,将成为粮食购销企业的主要业务。这不仅给粮食购销企业更新观念,转换经营机制,稳健经营带来机遇,而且也是农发行管理创新,改善金融服务,提高贷款风险管理质量的实践。本文就杂粮区退出保护价收购范围的粮食品种成为粮食购销企业主要业务,对农发行业务的影响及应采取的对策,略谈粗浅看法。一、难点和影响农发行在粮食收购资金供应上由政策性贷款变为政策性和商业性贷款二者并存。过去国有粮食购销企业按保护价收购农民余粮,农发行供应资金,属于政策性业务,现在退出保护价,购销企业收购属于商业行为,农发行提供的贷款属于商业贷款,农发行将面临着信贷运作和风险管理的双重任务。
With the adjustment of national grain purchasing and marketing policies, the grain varieties that exit the scope of protection price acquisition will become the main business of grain purchase and sales enterprises. This not only provides opportunities for the grain purchasing and marketing enterprises to update their concepts, change their management mechanism and maintain a steady operation, but also their practice of managing innovation, improving financial services and improving the quality of loan risk management. In this article, the varieties of grain withdrawn from the scope of protection price acquisition in the whole grain area become the main business of the grain purchase and sale enterprise, and the influence on the agricultural development business and the countermeasures should be taken. First, the difficulties and the impact of the Agricultural Development Bank in the grain supply of funds from the policy loans into policy and commercial loans coexist. In the past, state-owned grain purchasers and retailers acquired the surplus grain at a protective price. The supply of funds from the Agricultural Development Bank was a policy-based business. Now it is withdrawn from the protection price. The acquisition of purchase and sales businesses is a commercial activity. The loans provided by ADBC are commercial loans. ADBC faces credit operations And dual mission of risk management.