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部分省份粮食购销市场放开后给农发行信贷管理带来的难点问题1.贷款投放难度增加。一是收购贷款既有保护价的,又有非保护价的,贷款的双重性,使农发行信贷管理更趋复杂。二是“以销定贷,以效定贷”要求企业经营性粮食购销活动有购销合同,但是在业务活动中,购是前提,销是基础,在没有购进的情况下就要有销售合同,在实际经营中很难实现。三是基层行贷款投放审批权限较小,不利于调销贷款的及时发放,对粮食企业正常的购销业务影响较大。2.粮食库存监管难度更高。市场化粮食购销,使同一收储企业新老贷款形成的粮食库存,以及保护价贷款与非保护价贷款形成的粮食库存,在补贴政策、亏
Part of the provinces after the release of the grain purchasing and marketing market to the Agricultural Bank credit management difficulties 1. Loan delivery more difficult. First, the acquisition of loans both the protection price, there are non-protection price, the dual nature of the loan, the ADB’s credit management more complex. The second is “to sell loans, to set a loan” requires business purchase and sale activities of grain purchase and sale contracts, but in business activities, the purchase is the premise, the pin is the basis, in the absence of the purchase of the contract must have a sales contract , In the actual business is difficult to achieve. Thirdly, the examination and approval authority for grass-roots banks is relatively small, which is not conducive to the timely issuance of loans for cancellation and has a significant impact on the normal purchase and sale business of grain enterprises. 2. Grain inventory supervision more difficult. The purchase and sale of marketed grain enables grain inventories formed by the old and new loans of the same purchasing and storage enterprises and grain inventories formed by the loans at the protection prices and the loans without the protection money,