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九江市是江西省的棉花主产区。农发行九江市分行棉花贷款12.3亿元,占全省农发行系统棉花贷款总额的55.4%。由于政策、市场等原因,该行棉花不良贷款48745万元,占到贷款总额的40%。这些贷款形成时间长,无物资保证,无还款来源,清收难度非常大。对此,该行结合实际,采取一县一策、一企一策、分步实施的办法,积极清收和盘活棉花不良贷款,取得了明显成效。
Jiujiang City, Jiangxi Province is the main producing areas of cotton. Agricultural Development Bank branch in Jiujiang City, cotton loans 1.23 billion yuan, accounting for the province’s Agricultural Development Bank system, total loans of 55.4%. Due to policies and markets, the bank received a non-performing loan of 487.45 million yuan, accounting for 40% of the total loans. The formation of these loans for a long time, no material guarantee, no source of repayment, the difficulty of collecting a very large. In response, the bank, taking into account the actual situation, took a single county-level strategy and a one-level strategy and implemented step by step measures to actively recover and revitalize cotton non-performing loans and achieved remarkable results.