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为彻底摸清收购企业信贷资产底数,加强信贷管理,为今后实现收购资金封闭运行创造条件,今年初,青岛市分行对收购企业的信贷资金使用情况进行了全面的清理清查,初步掌握了全市收购企业资金使用情况。一、基本情况截止到1996年底,全市在我行开户的粮棉油收购企业共218户,收购贷款占全行贷款总额的94.7%。通过清理清查,不良贷款占收购贷款总额的32.64%,其中企业财务挂帐1.5亿元;固定资产挤占0.53亿元;不合理应收款1.51亿元;附营业务占用1.59亿元。全市库存值(含视同库存值)占贷款的比例为69.9%,其中直接库存值占贷款的比列为68%。二、存在的主要问题(一)粮棉油企业亏损面广,金额大,且呈继续扩大趋势。到1996年底,全市218户粮棉油企业帐面亏损和潜亏(含棉麻企业亏损)占不良贷款的23.9%,亏损面达80%。造成大面积亏损的主要原因:一是销售减少。二是粮食企业人员较多,
In order to thoroughly find out the bottom line of acquisition of corporate credit assets, strengthen credit management and create conditions for the closed operation of acquisition funds in the future, Qingdao Branch conducted a comprehensive clean-up and check on the use of credit funds of the acquired enterprises earlier this year and initially mastered the acquisition of the city Use of corporate funds. First, the basic situation As of the end of 1996, the city opened a total of 218 grain and cotton oil companies to open an account, the acquisition of loans accounted for 94.7% of the total loan amount. By clearing the inventory, non-performing loans accounted for 32.64% of the total loans purchased, of which corporate finance accounts amounted to 150 million yuan, fixed assets of 0.53 billion yuan, irrecoverable receivables of 151 million yuan and ancillary business of 159 million yuan. The city’s inventory value (including deemed inventory value) accounted for 69.9% of the loan ratio, of which the direct inventory value of loans accounted for 68%. Second, the main problems (a) grain and oil companies a wide loss, the amount of large, and continued to expand. By the end of 1996, the book losses and losses of 218 grain and cotton oil enterprises in the city accounted for 23.9% of the total non-performing loans (losses including cotton and linen enterprises), with a loss of 80%. The main reason for the large area loss: First, sales decrease. Second, there are more grain enterprises,