国有粮食购销企业是农发行的主要贷款对象,其贷款承受力的高低,直接影响到农发行收购资金贷款的安全程度,关系到收购资金能否实现封闭运行。为此,在调查分析单个粮食购销企业的基础上,对粮食购销企业贷款承受力问题进行了初步研究。一、国有粮食购销企业的特殊性(一)流动比率低,负债率高,甚至资不抵债。用衡量一般工商企业贷款承受力的指标来判断,多数国有粮食购销企业已不具备贷款承受能力。目前,在评价工商企业偿债能力方面已建立了一套比较完整的指标体系。反映企业长期偿债 The state-owned grain purchase and sale enterprises are the main loan objects of the Agricultural Development Bank. The loan carrying capacity of the state-owned grain purchase and marketing enterprises directly affects the security level of the loan funds acquired by the Agricultural Development Bank, and whether the acquisition funds can be closed or not. Therefore, based on the investigation and analysis of a single grain purchase and sale enterprise, the issue of loan bearing capacity of grain purchase and sales enterprises has been studied. First, the special nature of state-owned grain buying and selling businesses (a) low current ratio, high debt ratio, or even insolvent. Judging by the indicators that measure the bearing capacity of general industrial and commercial enterprises, most state-owned grain purchase and marketing enterprises no longer have the ability to afford loans. At present, a relatively complete set of indicator systems have been established in evaluating the solvency of commercial and industrial enterprises. Reflect the long-term corporate debt