政策性贷款逐步退出商品棉经营领域,是国务院关于进一步深化棉花流通体制改革的既定政策,对于促进棉花流通体制改革,打破垄断经营,建立公平竞争的市场环境,无疑会起到积极的推动作用。对农发行来讲,政策性贷款退出商品棉经营领域后,有利于减轻工作压力,解决人员少与业务量大的矛盾,从而集中精力加强对储备和粮油收购资金的封闭管理。但是从另一方面看,棉花主产区由于棉花种植面积大、产量高,在当地农村经济中属 The gradual withdrawal of policy loans from the commodity cotton business is the established policy of the State Council on further deepening the reform of the cotton circulation system. It will undoubtedly play an active role in promoting the reform of the cotton circulation system, breaking the monopoly and establishing a level playing field. For the Agricultural Development Bank, after the policy loans are withdrawn from the commodity cotton business area, it will help alleviate the pressure on work and resolve the contradiction between less personnel and heavy business volume, so as to concentrate efforts on the closed management of funds for reserve and grain and oil purchase. However, on the other hand, the main cotton producing areas due to cotton acreage, high yield, in the local economy