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为适应粮棉市场化改革进程加快的新形势,切实防范和化解银行风险,实现封闭管理与风险管理的统一,最近,舞阳县支行推出防范金融风险新举措。一、借款企业固定资产全额抵押。签订借款企业固定资产抵押合同书,把企业全部固定资产进行一次性抵押。这样,即保证了银行的信贷资产安全,又为企业提供了资产安全保障。二、实行粮棉油仓单质押。与借款企业签订粮棉油仓单质押合同,填制质押物清单,列出粮棉油品种、数量、质量、价值、库号等情况,作为质押物全部纳入农发行贷款质押范围。质押物出售、转移必须事先向农发行报告,把封闭管理的出库报告制度等以法律合同形式固定下来,进一步
In order to adapt to the new situation of the reform of grain and cotton market-oriented reforms, effectively prevent and resolve bank risks and realize the unification of closed management and risk management, the branch of Wuyang County recently introduced new measures to prevent financial risks. First, the full amount of fixed assets mortgage-backed enterprises. Signed a loan enterprise fixed assets mortgage contract, the company all fixed assets one-time mortgage. In this way, to ensure the safety of the bank’s credit assets, but also provide assets for enterprises security. Second, the implementation of grain and oil warehouse pledge. The Company signed the pledge contract for grain and cotton oil warehouse with the borrower and filled in the list of pledges to list the varieties, quantity, quality, value and library number of the grain and cotton as pledges and all the pledges were included in the loan pledge of the Agricultural Development Bank. Pledges sold, the transfer must be reported in advance to the Agricultural Development Bank, the closure of the management of the library reporting system and other legal forms to be fixed down further