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地处雪峰山脉的安化县是1994年国务院划定的贫困县,也是一个人口逾百万的农业大县,农林和矿产资源十分丰富,开发潜力很大。农业发展银行(以下简称农发行)的开发信贷工作对这里的农村经济有着重要的影响和促进作用。一、专项贷款分散使用,不适应农发行当前的信贷管理1994年末,安化县各种专项贷款余额为2455万元,其中农业综合开发贷款400万元,扶贫贴息贷款1015万元,老少边贷款890万元,贫困县县办工业贷款50万元。贷款分布在31个企业,其中贷款余额在100万元以上的企业只有3个,其它都是100万元以下的小项目。全县16个农行
Anhua County, located in the Xuefeng Mountains, was a poor county designated by the State Council in 1994 and a large agricultural county with a population of more than 1 million. The agriculture, forestry and mineral resources are rich in resources and have great potential for development. The development and credit work of the Agricultural Development Bank (hereinafter referred to as the Agricultural Development Bank) has an important influence and promotion on the rural economy here. First, decentralized use of special loans, not suitable for the current credit management of the Agricultural Development Bank End of 1994, Anhua various special loans balance of 24.55 million yuan, of which agricultural development loans 4 million yuan, 10.15 million yuan interest-free loans to help poor, young and old loans 8.90 million yuan, 500,000 yuan for industrial loans made by poor counties and counties. Loans are distributed in 31 enterprises, of which only 3 enterprises have a loan balance of over 1 million yuan while others are all small projects of 1 million yuan or less. The county 16 Agricultural Bank