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一、棉花贷款管理原则问题。棉改前的棉花贷款是政策性贷款,其管理原则是“收多少棉花,发放多少贷款”。随着棉改的逐步深入,农发行棉花贷款的性质逐步转变为按商业化原则管理的政策性贷款,必须实行“以销定贷、以效定贷”的管理原则。“销”是指产品有市场,适销对路。这就要求棉花企业有资信良好的固定客户、有合乎法律真实可靠的购销合同、有高档次的资信等级和优良的经营记录。“效”
First, the issue of cotton loan management principles. The cotton loan before the cotton reform is a policy loan, and its management principle is “how much cotton it receives and how many loans it will pay”. With the gradual deepening of the cotton reform, the nature of the cotton loan of the ADPL has gradually been transformed into a policy-based loan managed on the principle of commercialization. Therefore, the management principle of “fixing loans by means of sales and fixing loans by effectiveness” must be implemented. “Pin” refers to the product market, marketable. This requires cotton enterprises have a good credit fixed customers, in line with the law of real and reliable purchase and sale contracts, a high level of credit ratings and excellent business records. “effect”