“验票贷款”是农业发展银行为实现粮棉油收购资金封闭运行,对收购资金源头管理所采取的一种信贷管理手段,本文就“验票贷款”在实际工作中产生的效果及实际操作难点,谈点粗浅看法:一、“验票贷款”在实际工作中产生的效果1、贷款与物质相符合实行“验票贷款”供应粮棉油收购资金,体现了专款专用,物资保证的原则,使收购贷款与库存物资同比例增长,新增库贷比例达到100%。2、遏制了企业挤占挪用收购企业挤占挪用收购资金有两个渠道,一是在收购过程中将收购款改变用途;二是调销回笼货款挪作它用。“验票贷款”使企业的商品运动与资金运用紧密相联,收一斤粮食,付一斤粮钱,堵住了企业直接改变资金用途挤挪的漏洞。3、保护了农民种粮的积极性“验票贷款”是采取先预付铺底资金,而后依农民交粮签章后的结算单给 “The ticket examination loan ” is a kind of credit management method taken by the Agricultural Development Bank to realize the closed operation of the acquisition of grain and cotton oil, and the acquisition of capital source management. Effect and practical difficulties, talk about the superficial view: First, “lending ticket ” in the actual work of the effect 1, the loan and the material in line with the implementation of “lending loans ” Supply of grain and cotton oil acquisition funds, reflecting The principle of earmarking and material assurance ensured the same increase of loans for acquisitions and inventories and the proportion of new loans and reservoirs to reach 100%. 2, to curb the diversion of enterprise misappropriation Acquisition of enterprise misappropriation of funds acquired there are two channels, one in the acquisition process will change the use of acquisitions; the second is reimbursed transfer money for use it. “Loan Verification Loans ” so that the commodity movement and the use of funds are closely linked to receive a pound of food, pay a pound of food money, blocking the enterprise directly to change the use of funds squeeze loopholes. 3, to protect the enthusiasm of peasants to grow food “ticket inspection loan ” is to take the first prepayment of funds,