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1999年棉花流通体制改革将会给棉花信贷管理带来一系列新的问题,为此,我们对邢台市棉花信贷管理情况进行了调查,并对威县、南宫、临西三个棉花种植大县的信贷管理情况进行了重点剖析。一、存在的问题1、不合理资金占用比例高,库贷比例低。至1999年3月末,全市棉花企业不合理资金占棉花贷款总额的57.77%。直接库贷比仅为33.02%。所辖18个行、部,直接库贷比最高的为49%,其中一个县支行库贷比为零。2、亏损挤占多,盘活收息难。一是亏损多。在不合理资金占用中,亏损挂账占用比例高,全市平均约占47%以上,最高的竟达到94%。如棉花大县南宫市,3月底亏损占用高达12377万元,约占不合理资金占用总额的75%以上。这些资金已血本全无,收贷收息已无资金来源。截至3月底,全市棉花收储企业累计欠息已达15810万元。二是未划转附营业务占用多,收息难。3月底,未划转附营业务占棉花贷款总额的22.4%,累计欠息达9789万元。
The reform of the cotton circulation system in 1999 will bring a series of new problems to the cotton credit management. To this end, we investigated the cotton credit management in Xingtai City and investigated three cotton planting counties in Weixian, Nangong and Linxi. The credit management situation of the focus of analysis. First, the existing problems 1, a high proportion of unreasonable funds, low ratio of library loans. By the end of March 1999, the irrational funds of cotton enterprises in the city accounted for 57.77% of the total loans to cotton. Direct library loan ratio is only 33.02%. Under the jurisdiction of 18 lines, ministries, direct library loan ratio was the highest 49%, one of the county bank loan ratio is zero. 2, loss squeeze more, liquidity income difficult. First, more losses. In the irrational fund occupation, the loss accounts for a high proportion of accounts, the city accounted for an average of about 47%, the highest actually reached 94%. For example, Nangong City, a county of cotton, accounts for a loss of up to 123.77 million yuan by the end of March, accounting for more than 75% of the total unfair funds. These funds have been all-natural, income and expenditure loans have no source of funds. As of the end of March, the accumulated cotton owed by the cotton storage and storage enterprises in the city reached 158.1 million yuan. The second is not transferred to the annex business occupy more, income difficulties. By the end of March, the non-transferred supplementary camp business accounted for 22.4% of the total loans to cotton and accumulated interest-bearing debts amounted to 99.89 million yuan.