一、准确把握政策原则当前,粮棉流通体制改革已进入关键时期。这个时期之所以不同寻常,就在于它是粮棉这两个特殊商品从计划经济逐步向市场经济跨越的转型时期,这个阶段对农发行收购资金封闭管理来说是一个特殊的时期。从全国来看,尽管非保护价粮棉收购占总收购量不大,但是由于它一方面直接关系农民的切身利益,另一方面又面临着较大的风险,使农发行收购资金封闭管理工作变得复杂化。近年来,总行密切关注这一情况,及时出台了非保护价粮棉收购信贷政策,即“以销定贷、以效定贷”。经过几年实践证明,总行制定的非保护价粮棉信贷 I. Accurately Grasp the Policy Principles At present, the reform of grain and cotton circulation system has entered a crucial period. The reason why this period was unusual was that it was a period of transition from the planned economy to the market economy. It was a special period for the closed management of acquisition funds of the Agricultural Development Bank. From a national point of view, although non-protected price cotton grain acquisition accounts for a small amount of the total acquisition, because it is directly related to peasants’ immediate interests on the one hand, and faces greater risks on the other hand, Become complicated. In recent years, the head office has paid close attention to this situation and promptly issued a credit policy for acquisition of non-protected grain and cotton, that is, “to sell loans by loans and to use effective loans”. After several years of practice has proved that the head office to develop non-protective price of grain and cotton credit