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湖南新宁县水庙区供销社下属四个乡供销社,一个批发部、一个加工厂,均在银行单独立户。该区社针对银行对企业实行“存贷分户”办法的情况,对所属六个核算单位采取“统一贷款,分户使用”的办法。实行后,取得显著效果,每月平均可以减少银行贷款10万元。实行“统一贷款,分户使用”后,区社根据各核算单位的业务情况和申报计划,分配贷款指标,由银行分别转入各核算单位的存款户,利息按银行差率由企业内部结算,区供销社保持一定的贷款指标,留作机动。各核算单位在限期内可随借随还,超过限期,按正常利率增加20％收取利息。区社收取的利息用以支付银行贷款利息后如有剩余,年底按各核算单位营业额返还。实行“统一贷款,分户使用”的办法有利于发挥区社的“蓄水池”作用,合理调度资金,为了加强资金管理,该区社采取三条措施,一是各核算单位分别建立了银行存款和贷款日记帐,逐日结算存贷款,做到心中有数:二是各核算单位业务员按照资
Hunan Xinning County Temple area supply and marketing cooperatives under the four township supply and marketing cooperatives, a wholesale department, a processing plant, are in the bank a separate account. The district agency for banks on the implementation of the “deposit-lending household” approach to the six accounting units to take “a unified loan, household use” approach. After its implementation, it achieved remarkable results, reducing the average monthly bank loans by 100,000 yuan. After implementing the principle of “unified loan and household use”, the district and sub-district will allocate loan indicators according to the business conditions and application plans of the accounting units and transfer them respectively to depositors in the accounting units. The interest will be settled within the enterprise according to the bank slip rate, District supply and marketing cooperatives to maintain a certain loan targets, reserved for mobility. The accounting units within the deadline can be with the loan, over the deadline, according to the normal interest rate increase of 20% charge interest. If the interest charged by the district agency is enough to pay interest on bank loans, it will be returned at the end of the year according to the turnover of each accounting unit. The implementation of “unified loans, household use” approach is conducive to play a district agency “reservoir” role, a reasonable allocation of funds, in order to strengthen the management of funds, the district agency to take three measures, first, the accounting units were established bank deposits And loan journal, deposit and loan settlement day by day, be aware of: Second, the accounting unit clerk in accordance with the capital