论文部分内容阅读
搞好粮棉油资金结算环节的监督,是管好用好粮棉油收购资金,实现收购资金封闭运行和体内循环的重要途径。但从当前来看,粮棉油调销后,资金不能及时归位,企业不能及时归还贷款,致使收购资金被大量拖欠和挤占挪用,物资的运动和资金的运动严重脱节,其主要原因在于对结算环节缺乏有效的监督和管理。因此,在强化信贷管理的同时,迫切需要寻求一种能够对收购资金运动的全过程进行有效控制与监督的结算方式,确保收购资金封闭运行。而汇票结算方式恰恰能够满足这一要求。汇票作为一种重要的信用工具,具有支付、结算、转移债权和融资等多种功能,它能引导和规范商业信用,把商业信用纳入法制化轨道,对于清欠防欠,确保收购资金安全运转和体内循环,具有不可替代的重要作用。1、通过汇票业务,把商业信用纳入银行信用的范畴,规范了信用行为,有利于收购资金封闭
It is an important way to manage the acquisition of funds for grain, cotton and oil well and realize the closed operation and internal circulation of the acquired funds. However, judging from the current situation, the funds can not be repatriated promptly after the marketing of grain and cotton oil, and the enterprises can not repay the loans in time. As a result, the acquired funds have been greatly defaulted and misappropriated, and the movement of goods and funds has become severed. The main reason is that Lack of effective supervision and management of the settlement. Therefore, while strengthening credit management, it is urgent to find a settlement method that can effectively control and supervise the entire process of the fund-raising movement and ensure that the acquisition funds are closed. The bill settlement method precisely to meet this requirement. As an important credit instrument, bill of exchange has various functions such as payment, settlement, transfer of creditor ’s rights and financing. It can guide and standardize commercial credit and bring commercial credit into legal orbit, so as to ensure the safe operation of acquisition funds. And the body circulation, has an irreplaceable important role. 1, through the bill business, the commercial credit into the scope of bank credit, regulate the credit behavior is conducive to the acquisition of funds closed