当前,棉花流通体制改革已逐步展开。在向棉改的过渡时期,为了加强棉花信贷管理,农发行湖北省洪湖、枣阳、襄阳等支行结合本地实际,在工作中探索并实施了一种新的贷款管理模式——统贷分管。我们在对该贷款管理模式进行实地调查、研究、比较之后认为:统贷分管的贷款管理模式是适应农发行实行精细管理,强化信贷基础工作,确保收购资金持续稳定封闭运行的现实选择,也是对原有贷款管理模式的补充和完善。一、统贷分管产生的必然性过去,棉花贷款都是采取统贷统还或分贷分还的管理模式。这两种贷款管理模式,在支持棉花企业正常的购销活动,促进棉花信贷管理上起了应有的积极作用。但这两种管理模式也有一定的局限性,特别是实行精细管理之后,它们的缺 At present, the reform of cotton circulation system has been gradually started. In the transition period to cotton transformation, in order to strengthen cotton credit management, branches of Hong Kong, Zaoyang and Xiangyang of Hubei Provincial Development and Reform Commission jointly explored and implemented a new loan management mode - unified credit management in line with local actualities. After conducting a field survey, research and comparison on the loan management mode, we think that: The loan management mode in which the unified lender is in charge is a realistic choice to adapt to the fine management of the ADBC, strengthen the credit basic work and ensure the stable and stable operation of the acquisition funds. The original loan management model to supplement and improve. First, the inevitability of unified credit in the past In the past, the cotton loans are taken by the unified repayment of loans or sub-loan management model. Both of these loan management models play a positive role in supporting the normal buying and selling activities of cotton enterprises and promoting cotton credit management. However, these two management modes also have some limitations. Especially after the fine management is implemented, their lack