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2002年是我国加入WTO第一年,也是云南省粮食流通体制改革进展较大的一年。粮企从2002年4月1日起实行“三放开”政策,由于企业经营范围、经营结构发生变化,使农发行的贷款结构也发生变化,市场化经营贷款业务比重将逐渐扩大,农发行信贷资产面临着较大的风险,基层农发行如何加强信贷管理,笔者就东川农发行情况提出几点建议:一、调整工作思路,实行分类管理粮食企业实行“三放开”以后,基层农发行应该适应新形势,及时调整信贷工作思路:一是对粮食企业承担的政策性业务将比较集中,如东川区只有一家粮食购销企业,属国有粮食购销企业,下辖非独立核算的东川国家粮
The year 2002 was the first year of China’s accession to the WTO and the year of great progress in the reform of grain circulation system in Yunnan Province. Since April 1, 2002, the grain enterprises have implemented the “three liberalizations” policy. As the business scope and business structure of the enterprises have changed, the loan structure of the ADBC has also changed. The proportion of the market-oriented operating loans business will gradually expand, Agricultural Bank of China credit assets are facing a greater risk, grass-roots agricultural development bank how to strengthen credit management, the author made a number of suggestions on the situation of Dongchuan Agricultural Bank: First, adjust the work ideas, the implementation of classification management of grain enterprises to implement Since then, the grassroots agricultural development banks should adapt to the new situation and promptly adjust their credit work mentality: First, the policy businesses undertaken by grain enterprises will be more concentrated. For example, Dongchuan District has only one grain purchase and sales enterprise, which is a state-owned grain purchase and marketing enterprise and has jurisdiction over non-independent Dongchuan national grain accounting