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加强信贷管理,实现收购资金的封闭运行,是农发行的光荣职责。但是,只有帮助企业按保护价敞开收购农民余粮,不断降低库存成本,积极促销,搞活经营,收购资金才能持续稳定实现封闭运行。农发行山东省梁山县支行按照这一思路,积极开展工作,取得了显著的效果。1998年至1999年2月末,共发放贷款支持按保护价敞开收购农民余粮10186万斤,销售粮食10518万斤,实现销售收入7446万元,利润80多万元。企业销售收入全部归行,收回贷款6481万元,收回利息839万元,全行销售贷款回笼率、回笼货款归行率和归行贷款收贷收息率均达到100%。同时,企业自1998年5月以来,没有出现新的亏损挂帐,没有挤占挪用收购资金,并在实现的利润中,消化往年待摊费用41.32万元,收回往年欠息23.85万元,全县粮食企业没有发生拖欠职工工资现象,而且职工收入实现了稳定增长。一、正确分析形势,进行政策引导,帮助企业制定“搞活经营”发展战略
It is a glorious duty of ADBC to strengthen credit management and realize the closed operation of the acquisition funds. However, only by helping enterprises to openly acquire the surplus grain of peasants at the protection price, continuously reduce inventory costs, actively promote and revitalize their businesses, and acquire funds in order to achieve a continuous and stable closed operation. Agricultural Development Bank of China Liangshan County in Shandong Province in accordance with this idea, and actively carry out the work and achieved remarkable results. From 1998 to the end of February 1999, a total of loans were granted to support the open purchase of 101.86 million kilos of surplus grain of peasants and the sale of 105.18 million kilograms of grain at a protective price, with a sales income of 74.46 million yuan and a profit of more than 800,000 yuan. The sales revenue of the Company all went into effect. Loans of 64.81 million yuan were recovered and interest of 8.39 million yuan was recovered. The recovery rate of sales loans of the whole bank, the return rate of loan repayment and the interest-bearing loan-to-loan recovery rate reached 100%. At the same time, since May 1998, the Company has not appealed for any new losses, misappropriated the proceeds of the acquisition, and digested 413,200 yuan of prepaid expenses in previous years and repaid 238,500 yuan of interest in previous years. The county Food enterprises did not arrears employee wages, and workers’ income has achieved steady growth. I. Correctly analyze the situation, conduct policy guidance and help enterprises formulate a strategy of “invigorating business” and “developing strategy”