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在经国务院批准对专项业务“两呆”贷款的人民银行再贷款实行“零利率政策”后,从2003年起,全国农行常专业务合并,取消专项贷款“四专”管理。在专项业务划转之初,对专项贷款实行专门机构、专门人员、专用帐户、专项核算的“四专”管理,为推进专项贷款商业化管理,规范专项贷款的运作程序,提高专项业务经营管理水平起到了积极作用。常专业务合并、取消专项贷款“四专”管理后,全行如何强化原专项贷款的管理,进一步提升专项贷款的经营层次和经营效益,是个值得关注和研究的课题。一、原专项贷款的基本情况与特点1998年,根据国务院关于转换人民
Since 2003, the People’s Bank of China approved a special operation of “dull ” loans to the People’s Bank to implement “zero interest rate policy management. At the beginning of the special business transfer, the special loans, specialized personnel, special accounts and special accounting ”four specialties" management were implemented. In order to promote the commercialized management of special loans, regulate the operating procedures of special loans and improve the special operations The level of management played a positive role. It is a subject of concern and research that how to strengthen the management of the original special loans and further enhance the management level and operational efficiency of special loans after the management of regular special services and the abolition of special loans First, the basic situation and characteristics of the original special loans In 1998, according to the State Council on the conversion of people