信贷资金营运与管理是银行业务管理的重要环节。信贷资金营运的好坏,不仅影响国家宏观调控目标的实现,而且影响银行的经营水平。信贷资金运用率指标考核,实际上是对基层行信贷资金运用与管理效果的考核。一、影响信贷资金运用率的主要因素(一)资金头寸占用(指狭义的资金头寸)。资金头寸是银行在一定时期内的可用资金量,即银行用于保证正常营业的资金。资金头寸占用越大,资金运用率就越低,反之,亦然。(二)同业往来资金占用。各级农发行与其他商业银行及金融机构发生资金往来,形成同业往来资金的占用与被占用。他行占用本行资金越多,本行资金运用率就越低,反之,亦然。(三)联行汇差资金占用。联行汇差是指各行联行收付款项相互轧抵后的差额,它主要是由于银行办理企业间货款结算产生的。汇出大于汇入,形成应付联行汇差,反之为应收联行汇差。汇差资金直接影响着资金运用率的高低,应收汇差与资金运用率为反比关系,应付汇差与资金运用率为正比关系。作为粮棉产区的调销行来讲,经常反映为应收汇差,直接影响着资金运用率的提高。 Credit fund management and operation is an important part of banking management. The operation of credit funds is good or bad, not only affect the realization of the goal of national macro-control, but also affect the bank’s operating level. The assessment of the utilization rate of credit funds is actually an assessment of the application and management of credit funds by grassroots banks. First, the main factors affecting the utilization rate of credit funds (A) capital position occupied (refers to the narrow capital positions). Funding positions are the amount of funds available to the bank over a period of time, which is the amount of money that the bank uses to ensure normal operations. The larger the fund position, the lower the utilization rate of funds, and vice versa. (B) interbank cash occupation. The Agricultural Development Bank at all levels and other commercial banks and financial institutions occur capital transactions, the formation of the occupation and occupation of funds from the same industry. The more funds he occupies the Bank, the lower the capital utilization rate of the Bank, and vice versa. (C) Bank balance of funds occupied. The Bank of China refers to the difference between the receipt and payment of each bank by the Bank, which is mainly due to the settlement of loans between enterprises. Remittances greater than the import, the formation of the balance of the Bank to cope with, conversely, the exchange rate should be collected by the Bank. Exchange rate funds directly affect the level of the use of funds, receivables and the exchange rate is inversely proportional to the use of funds, exchange rate differential and fund utilization is a direct ratio. In terms of transfer lines of grain and cotton producing areas, it is often reflected as the receivable balance, which directly affects the improvement of the utilization rate of funds.