农业发展银行业务转为基本自营后,基层支行如何加强收购资金管理,使银行和企业在收购资金管理上由粗放型管理向集约化经营转变;使收购资金多渠道流失向真正意义上的封闭运行转变;使低下的信贷资产质量向高效、良性转变。笔者针对这个问题,紧扣“库贷挂钩”管理这个核心目标,结合过去的信贷管理经验和半年来的实践,提出“四核五挂”“双层三线”的管理模式,与大家探讨。一、“四核五挂”“双层三线”管理基本内容所谓“四核五挂”就是根据收购资金管理“库贷挂钩”这个核心指标,将其内容分解核定为四块资金进行管理,并对每块资金占用采取不同挂钩管理办法。“四核”就是在对粮棉油收购企业进行全面资产清理的基础上,依据1996年末资金占用情况分别核定库存商品(含专储)占用贷款、非商品资金占用贷款、调销结算资金占用贷款和不合理资金占 After the Agricultural Development Bank changed its business to basic self-operation, how did the grassroots branches strengthen the capital management of the acquisition so that the banks and enterprises will make the transition from extensive management to intensive operation in the acquisition fund management; and make the loss of acquisition funds to the true closure Operational changes; the quality of low-end credit assets to efficient and healthy change. The author of this issue, closely linked to “library and loan linked ” management of this core objective, combined with the past credit management experience and practice of the past six months, put forward “four nuclear five linked ” “double three lines ” management mode , To discuss with you. First, “four nuclear five linked ” “double three lines ” the basic content of management The so-called “four nuclear five linked ” is based on the acquisition of funds management “library loans linked ” this core indicator, its content decomposition verification For the management of four funds, and each of the funds to take a different pegged management approach. On the basis of liquidation of grain and cotton oil purchasing enterprises, the “four-core” refers to occupying loans of stock goods (including special reserves) and occupying loans of non-commodity funds according to the capital occupancy at the end of 1996, and the settlement and settlement of funds Occupy loans and unreasonable funds