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我省自1986年开办扶贫专项贴息贷款以来,到1994年底,共安排中央专项扶贫贷款计划42045万元,其中:由中央财政贴息部分3300万元;由省财政贴息部分3300万元;基本农田和水毁贷款(由中央和省财政各贴息2.3%。)1740万元;不贴息的扶贫贷款3700万元;康复扶贫贷款305万元。1994年末贷款余额41735万元。扶贫专项贷款的投放,有效地促进了贫困地区改变贫困面貌,对促进贫困地区的经济开发起了积极深远的作用。①支持建成了一批种养加项目、商品生产基地和支柱产业。②促进了贫困地区农民生活状况的改善和贫困地区的经济发展。但是,由于其恶劣的投入环境及其他各方面的因素,扶贫贷款项目难以实现预期效益,相当一部分贷款陷入沉淀,难以正常周转。到1994年末,全省扶贫贷款的非正常占用额达12104万元,其中逾期6698万元,呆滞3968万元,呆帐1438万元。扶贫贷款沉淀的主要原因:
Since the special poverty-relief loan for poverty alleviation was launched in 1986, by the end of 1994, a total of 420.45 million yuan has been arranged by the central government for special poverty alleviation loans, of which 33 million yuan is subsidized by the central government, 33 million yuan is subsidized by the provincial government, Water-damaged loans (by the central and provincial treasury each 2.3%.) 17.4 million yuan; non-interest-subsidized loans 37 million yuan; rehabilitation of poverty-stricken loans 3.05 million yuan. At the end of 1994, the loan balance was 417.35 million yuan. The launching of special poverty alleviation loans effectively promoted the change of poverty in poor areas and played an active and far-reaching role in promoting economic development in poor areas. ① Support the construction of a number of planting and raising plus projects, commodity production bases and pillar industries. ② Promote the improvement of living conditions for poor peasants and the economic development in poor areas. However, due to its poor investment environment and other factors, it is difficult to achieve the expected benefits in the project of poverty alleviation loans. A considerable part of the loans have fallen into the trap and are difficult to turn around normally. By the end of 1994, the province’s non-normal occupation of poverty alleviation loans amounted to 121.08 million yuan, of which 66.98 million yuan was overdue, 39.68 million yuan was sluggish and 14.38 million yuan was badly debated. The main reasons for the precipitation of poverty alleviation loans: