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农业发展银行通过农业银行、工商银行、建设银行于94年7月1日将有关业务划转过来,正式建立起农业发展银行省级分行经营机构,并由农业银行代理基层行业务经营至今业务运行比较顺畅,但也存在一些问题,本文就粮食贷款和扶贫贷款利差倒挂问题阐述如下,望能够引起足够重视。形成存贷款利差倒挂的原因有两个方面:一方面人民银行从自身业务经营核算出发,在农发行建立帐务前后已将扶贫贷款的配套资金利率由原来农行经营时的月息3.9‰提高到8.85‰的人行年度贷款利率水平,还从1995年1季度开始将原来由人行对粮棉油贷款的利差补贴月息
Agricultural Development Bank, through Agricultural Bank of China, Industrial and Commercial Bank of China and China Construction Bank, transferred the relevant business on July 1, 1994 and formally established a provincial branch of Agricultural Development Bank and operated by the Agricultural Bank of China as a grassroots bank. Relatively smooth, but there are some problems, this article on the grain loans and loans for poor loans upside down described below, hope can cause enough attention. There are two reasons for the formation of a deposit-loan spread upside: On the one hand, the People’s Bank of China, starting from its own business operations accounting, has increased the matching fund rate for poverty alleviation loans by 3.9 ‰ per month from its previous operation To 8.85 ‰ pedestrian bank annual interest rate level, but also from the first quarter of 1995 will be the original line from the People’s Bank of grain and oil loans spread interest subsidy monthly interest