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随着棉花流通体制改革的不断深入,农发行对棉花企业的信贷管理方式也随之改变,由于在农发行开户的棉花贷款企业普遍存在经营“缺血”、历史包袱较重的现象,造成挤占挪用信贷资金严重,农发行按照规定停止发放贷款较为普遍。在失去了政策性信贷资金支持的情况下,部分企业经营亏损凸现、长期不能清偿农发行贷款本息。如何做到既按照政策积极支持棉花企业深化改革,又切实维护农发行债权,努力降低贷款风险,成为当前棉花信贷管理的重点和难点。最近,我们对四川省南
With the deepening reform of cotton circulation system, ADBC also changed the way of credit management for cotton enterprises. As a result, there is a widespread phenomenon of “ischemia” and heavier historical burden in cotton loan companies that open accounts in the Agricultural Development Bank, resulting in crowding out Funds for misappropriation of credit are serious, and it is more common for ADBC to stop issuing loans in accordance with the regulations. In the absence of policy support for credit funds, some enterprises showed outstanding operating losses, long-term loans and principal and interest can not be paid off. How to actively support cotton enterprises in deepening reform in accordance with the policies and earnestly safeguard the claims of the Agricultural Development Bank and strive to reduce the loan risk has become the focus and difficulty of the current cotton credit management. Recently, we are on the south of Sichuan Province