“统借统还、上贷下划”是随着县级粮食集团公司为主体的粮食经营体制的出现而产生的一种新的政策性收购贷款管理方式。在这种管理方式下,县级粮食集团公司既是贷款的承贷单位,又是贷款的管理单位,其本身的信用度、风险度、管理水平成为决定“上贷下划”成功的重要因素,也直接影响企业的经济效益。因此,实施“上贷下划”管理中,在研究和探索银行如何加强监督管理的同时,找出粮食企业内部收购贷款的运行规律,促进企业加强收购贷款的封闭运行管理,具有十分重要的现实意义与指导意义。今年,我们对粮食企业实行“上贷下划”进行调查时,发现惠东县粮食集团公司在银行的大力支持下,内部资金管理措施得力,有效地堵塞收购贷款流失渠道,确保下划资金的专款专用和及时收回贷款本息,取得显著成效。他们具体的做法是: “Unification and repayments on the loan” is a new policy-based acquisition loan management method that emerged as a result of the emergence of a grain management system with the county-level grain conglomerates as the mainstay. Under this mode of management, the county-level grain conglomerates are not only the loan-borrowing units but also the loan-management units. Their own credit, risk and management levels have become important factors in determining the success of loans , But also directly affect the economic efficiency of enterprises. Therefore, it is very important to find out the law of operation of acquisition loan in grain enterprises and to promote the closed operation and management of acquisition loan in order to study and explore how banks strengthen supervision and management during the implementation of The practical significance and guiding significance. This year, when we conducted an investigation into the implementation of “lending under the credit” to grain enterprises, we found that with the strong support from the bank, Huidong Food Corporation effectively managed its internal fund management measures to effectively block the channels for the acquisition of loans and ensure the bottom plan Earmarked funds and timely repayment of loan principal and interest, and achieved remarkable results. Their specific approach is: