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一、粮棉企业结算资金状况及提出委托核查清收办法的背景粮棉企业结算资金不仅占用农发行大量贷款,而且成为挤占挪用收购贷款的“防空洞”,严重影响了农发行信贷资产质量。目前企业的结算资金占用贷款呈以下特点: 1.所占数额大,形成时间长,涉及企业多,跨越范围广。截至7月末,信贷报表反映的粮棉结算资金占用贷款已占粮棉库存值的10％以上。这些结算资金占用的贷款,有的在合理结算
I. Situation of Settlement Funds of Grain and Cotton Enterprises and Proposals for Entrusted Verification and Recycling Measures The settlement funds of grain and cotton businesses not only occupy a large amount of loans issued by the Agricultural Development Bank but also become “air-raid shelters” for misappropriation and acquisition of loans, seriously affecting the credit assets quality of the ADBC. At present, the occupational loans for the settlement of enterprises are characterized by the following features: 1. Large amount, long formation time, many enterprises involved, and a wide range of businesses. As of the end of July, the occupying loans for grain and cotton settlement funds reflected in the credit statements have accounted for more than 10% of the total stock of grain and cotton. Loans that these settlement funds occupy, some of which are reasonably settled