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近年来,各地在发展农村合作基金会的过程中,把农户或其他个人或团体长期拖欠集体的应上交的承包提留和统筹款、垫付的农用生产资料款、以及借用集体的款项等,由农村合作基金转为贷款,计收利息。这就是通常所说的“欠转贷”。这种方法的好处是: 一、增强了乡(镇)农经站对集体应收款的“统”的功能,使外欠款真正纳入了农经站的管理之中,解决了这方面工作长期落在“空挡”上的问题。 二、提高了欠款人的还款意识,使他们真正认识到了时间是有价值的,拖欠时间越长,付息越多,促使其尽早还款。
In recent years, in the process of developing rural cooperative foundations, various localities, including farmers, or other individuals or groups that have been in arrears for a long period of time, have been required to submit their contractual contributions and co-ordination funds, advance agricultural means of production and loans borrowed collectively, Rural cooperative funds into loans, interest payments. This is what is commonly called “under-lending.” The benefits of this approach are: First, the function of “unified” rural collectives’ receipt of receivables by the township (town) station has been enhanced, so that external debts can be really included in the management of the agricultural credit station, and the work in this respect has been solved Long-term fall in the “neutral” issue. Second, raised the repayments of the arrears so that they truly realized the time is valuable, the longer the default, the more interest payments, prompting them to repay as soon as possible.