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市场经济本身就是法制经济,市场经济行为实际上是一种契约化行为,合法的契约是当事人双方合法权益受法律保护的依据。农发行与粮食企业之间的关系也是以贷款协议为主的契约化关系,我们必须要树立一种法律意识,积极通过法律及各项市场规范保护自身权益。而贷款各项资料作为农发行与企业之间的契约,是明确双方责权的有效文本,是我们在市场经济条件下资产保全的依据。粮食流通形势的变化,也使得我行信贷档案管理工作的重要性日益突出:一方面,诉讼保全、以资抵债等法律手段将逐步成为我行信贷资产保全的重要措施,
The market economy itself is the legal economy, the market economy is actually a deed, and the legal contract is the basis for legal protection of both parties’ legal rights and interests. The relationship between the Agricultural Development Bank and grain enterprises is also a contractual relationship based on loan agreements. We must establish a legal awareness and actively protect our own rights and interests through laws and various market regulations. The loan information as a contract between the Agricultural Development Bank and the enterprise is a clear text of the mutual responsibility and rights of the text, is our basis for the preservation of assets in a market economy. The changes in the distribution of grain have also made our credit file management increasingly prominent. On the one hand, legal measures such as lawsuit preservation and debt service will gradually become the important measures for the credit assets preservation of our bank.