随着棉花流通体制改革的进一步深入,棉花贷款管理的工作难度也随之加大,如何做好新形势下棉花信贷管理工作是一个亟待解决的问题。一、当前棉花信贷管理面临的主要问题1.棉花存量信贷资产风险加大。一是企业坏账。由于各方面的原因,企业之间形成了大量应收款占用贷款,拖欠单位有的已面临改制、破产、转让、重组,债务不能落实,应收账款已成为企业的坏账。近年来,企业效益普遍不好,坏账未能核销和处理,这部分债权风险便转化为农发行的信贷风险。二是借改革之机逃废银行债务。目前,棉花企业面临困难不少,一些 With the further reform of cotton circulation system, the difficulty of cotton loan management also increases. How to do a good job of cotton credit management in the new situation is an urgent problem to be solved. First, the main problems facing the current cotton credit management 1. Cotton stock credit assets increased risk. First, corporate bad debt. Owing to various reasons, a large amount of loans for occupying receivables have been formed among enterprises. Some of the units in arrears have been facing restructuring, bankruptcy, transfer, restructuring and debts. The accounts receivable have become bad debts of enterprises. In recent years, the general efficiency of enterprises is not good, bad debts failed to write-off and processing, this part of the credit risk will be converted into credit risk for the Agricultural Development Bank. The second is to borrow bankruptcy to escape the debt of the reform. At present, cotton enterprises face a lot of difficulties and some