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实现收购资金持续稳定封闭运行管理目标,必然要求一个与此相适应的信贷计划管理模式。所以,必须紧紧围绕收购资金持续稳定封闭运行目标,构筑封闭运行的信贷计划管理操作方式。一、建立适应收购资金持续稳定封闭运行的信贷计划管理操作方式应遵循的原则1、管理功能完整性。即信贷计划管理体系框架必须能够覆盖粮棉油收购资金封闭运行管理的全部要求;能够反映粮棉油收购资金封闭全过程的各个环节。因为,信贷计划管理贯穿于整个信贷业务活动的全过程。信贷业务的运作过程就是信贷计划的实施过程,而且计划管理活动既早于信贷活动又延后于信贷活动。因此,计划管理不应是简单地编计划、开单子,而是要通过预测信贷需求,编制信贷计划来规划信贷业务经营活动;通过计划分配,调剂信贷规模余缺来组织信贷活动;通过对信贷计划执行情况的监测、分析、反映来检查、评价信贷活动的效果和质量。
To achieve the goal of a steady and stable closed operation and management of acquisition funds will inevitably require a credit planning and management mode compatible with this. Therefore, we must closely focus on the acquisition of funds continued to stabilize the closed operation objectives, and build a closed operation of the credit plan management practices. First, the establishment of the acquisition of funds to maintain stable and closed operation of the credit plan management practices should follow the principles of 1, the management of functional integrity. That is, the framework of the credit plan management system must be able to cover all the requirements for the closed operation and management of the acquisition of grain and cotton oil, and be able to reflect all aspects of the process of closing the acquisition of grain and cotton oil funds. Because, credit plan management throughout the entire credit business activities. The operation of a credit business is the process of implementing a credit plan, and the planned management activities are delayed prior to the credit activities and later than the credit activities. Therefore, the plan management should not simply plan and open a list. Instead, it should plan the credit business operations by forecasting the credit demand and credit plans, organize the credit activities through the planned allocation and adjusting the remaining credit scale, Monitoring, analyzing and reflecting the implementation of the project to examine and evaluate the effectiveness and quality of credit activities.