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为提高政策指导性粮油收购贷款决策水平和风险管理能力,农发行总行于2013年印发了《粮油收购贷款风险度管理规定》,对政策指导性粮油收购贷款全面推行风险度管理。现阶段,一些同志基于种种考虑,将拟核定的企业粮油收购贷款最高额度(余额、累放额)等同于拟发放给企业的粮油收购贷款,认为核定最高额即为审批贷款额。这种观点导致对粮油收购贷款最高额度核定及贷款审批采取了不当的操作方式,比如,将测算的企业粮油收购贷款最高额作为贷款纳入调查、审查、审批程序,报审批行审批后,即向企业发放贷款,而不先授信再用
In order to improve the decision-making level and risk management ability of policy-oriented grain and oil purchase loans, the Head Office of Agricultural Development Bank issued the Regulations on the Risk Management of Grain and Oil Purchase Loans in 2013 and implemented the risk management on the guideline grain and oil purchase loans. At this stage, some comrades, based on various considerations, equate the maximum amount (balance and accumulated allowance) of loans for grain and oil to be approved by the enterprise with the grain and oil purchase loans to be issued to the enterprises. The maximum amount approved is the loan approval amount. This view led to the purchase of grain and oil loans approved the maximum amount of credit and approval of the improper operation of the way, for example, the measured maximum amount of grain and oil loans as a loan into the investigation, examination, approval procedures, approval of the approval line, that is, Business loans, rather than credit first reuse