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隆林县农行隆或乡营业所自1990年以来,贷款到期收回率100％。1994——1996年贷款收息率分别达96.8％、100％、98.8％,到1996年末信贷管理基本实现了无逾期、无催收、无欠息。他们的主要做法是: 一、支持山区特色经济,实现信贷资金良性循环 地处大石山地区的隆或乡,单一的农村产业结构开始向多元化的格局转变。1994年以来,隆或营业所根据市场的变化和县支行信贷工作目标的要求,调整自身的信贷投向,向信贷集约化、效益型转变。隆或供销社是营业所支持的重点企业由于经营不善,管理混乱,致使1993年全社经营亏损额高达69万元。陷入了严重的经营困境,隆或营业所主任和信贷员主动找到供销社的领导班子共商供销社的扭亏大计。为供销社经营寻找出路,同时适时投放贷款,为供销社走出困境,排扰解难。
Longxing County Agricultural Bank of Longsheng or township business since 1990, the loan maturity recovery rate of 100%. The loan interest rates of 1994-1996 reached 96.8%, 100% and 98.8% respectively. By the end of 1996, the credit management basically achieved no overdue, no collection and no interest. Their main approaches are: First, to support the characteristic economy of the mountainous areas and achieve a virtuous circle of credit funds Located in Longshi or Dachang, a single rural industrial structure has begun to shift its structure to diversification. Since 1994, according to the changes of the market and the requirements of the county sub-branches’ credit work objectives, Long or its branch offices adjusted their own credit orientation and intensified the credit and efficiency-oriented transformation. Long or supply and marketing cooperatives are the key enterprises supported by business offices As a result of poor management and chaotic management, the total business losses in 1993 were as high as RMB690,000. Into a serious business predicament, Long or sales director and loan officer take the initiative to find the supply and marketing cooperatives leadership team to discuss the supply and demand agency turnaround plan. For the supply and marketing cooperatives to find a way out of business, while timely delivery of loans for the supply and marketing companies out of the woods, troubled row trouble.