农发行县级机构建立以后,选择什么样的信贷管理方式,对实现收购资金的封闭运行和良性循环至关重要。目前,主要有两种方式:一是基层收购企业承贷承还。其主要特点是谁收购、谁储备、谁加工、谁贷款、谁偿还。二是县级购销公司统贷统还。即购销公司直接承贷承还,基层企业所需资金由县级公司下拨不直接承担银行债务。为加强贷款管理,有必要对上述两种方式做进一步研究。一、两种贷款方式的利弊(一)基层企业承贷承还:这种方式的主要优点是便于开户银行对各贷款企业进行“库贷挂钩”比例的考核,便于按收购进度发放贷款,直接监督贷款的合理使用,防止挤占挪用。但问题是这些企业主要分布在各乡镇,距离县支 After the establishment of the county-level agricultural development agencies, the choice of what kind of credit management, acquisition funds to achieve the closed operation and a virtuous circle is essential. At present, there are mainly two ways: First, the grass-roots acquisition of enterprises underwriting loans. Its main features are who to buy, who reserves, who processes, who loans, who repay. Second, the county-level purchase and sale of corporate credit system also. That is, the sales and purchase company directly owes the loan and the funds required by the grassroots enterprises are not directly borne by the county-level companies. In order to strengthen loan management, it is necessary to do further research on the above two methods. First, the pros and cons of two types of loans (A) grass-roots enterprises to bear the debt: The main advantage of this approach is to facilitate the bank for all loan companies “loan library ” ratio assessment, to facilitate the progress of the loan , Directly supervising the rational use of loans to prevent the diversion of misappropriation. However, the problem is that these enterprises are mainly distributed in all townships and counties