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目前农发行省以下业务为代理,在这种代理体制下,农发行的资金运行、循环中存在着一些比较突出的问题,难以实现农发行应承担的职能和任务,以至有人将农发行的资金运行和管理,不恰当地比喻成“一个带眼的筛子”。一些问题如不迅速解决,将会严重影响农发行整体功效的发挥,无法达到国家组建农发行的目的。笔者拟就现阶段农发行资金封闭运行问题谈点浅见:一、存在的问题(一)政策性资金流失及损失严重。一是企业机制未理顺,资金进入企业被大量挤占挪用。主要表现在:1.贷款企业政策性业务与经营性业务混在一起,贷款被企业的经营性业务挤占、挪用。2.企业政策性亏损、财政挂帐近年来不断增加,挤占收购资金。
Under the agency system, there are some prominent problems in the operation and circulation of funds of the Agricultural Development Bank, and it is difficult to realize the functions and tasks that the Agricultural Development Bank should undertake. As a result, some people will transfer the funds of the Agricultural Development Bank Operation and management, inappropriately analogy “a crested sieve ”. If some problems are not solved promptly, it will seriously affect the overall effectiveness of the agricultural development bank and will not reach the goal of establishing the national development bank. I would like to talk about the closed operation of the Agricultural Development Bank funds at this stage humble opinion: First, the existing problems (A) of the policy of loss of funds and losses. First, the business mechanism is not rationalized, and funds have been diverted by large numbers of enterprises. Mainly manifested in: 1. Loan business policy business mixed with business operations, the loan is squeezed by the business of business operations, misappropriation. 2. Corporate policy losses, the financial accounts in recent years continue to increase, squeeze the acquisition of funds.