全过程监管农副产品收购贷款的有效途径

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管好用好农副产品收购资金,确保农采资金专款专用,企业是基础,银行是关键。只有企业树立了专款专用的思想基础,才能保证农副产品收购资金在整个运转过程中不出现问题。银行建立起相适应的管理制度和管理手段,充分发挥其监督职能,实行全过程监管,杜绝挪用现象的发生,从而保证农副产品收购资金正常运转。针对农副产品收购资金使用过程中在收购、加工、储存、调销、货款回笼等环节不断发生挤占挪用的症结,探索彻底解决农副产品收购资金挤占挪用前清后增问题的途径,我行主管行长和信贷人员深入基层调查剖析,辩证究因定策,本着对农副产品收购资金实施分环节、分阶段管理的原则,探索性地制定了新的农副产品收购资金管理办法,坚持“钱出去,货进来,货出去,钱进来,钱货两清”的做法,要求收购企业,建立自身的资金管理约束机制,向开户银行提供真实可靠的数据。银行对收购、加工、储存、调销、货款回流,货款收回等各个环节实行全程监管,并建立信贷专管员和门市监督员制度,确保该项资金专款专用。 Good management of the acquisition of funds for agricultural and sideline products, to ensure earmarked agricultural capital, business is the foundation, the bank is the key. Only if the enterprises set up the ideological foundation dedicated to earmarked funds can they ensure that the acquisition of funds for agricultural and sideline products will not cause any problems during the entire operation. Banks establish appropriate management systems and management tools, give full play to their oversight functions, implement the whole process of supervision and avoid the occurrence of diversion so as to ensure the normal operation of funds for the acquisition of agricultural and sideline products. In the process of acquisition, processing, storage, cancellation of sales and purchase of goods, there will be unceasingly diversion and misappropriation of crucifixes in the process of acquisition of agricultural, sideline and by-products funds. We will explore ways to completely solve the problem of misappropriation of agricultural and sideline products by the pre-Qing and post-Qing Dynasty capital increase issues. Based on the principle of sub-section and phase-by-stage management of funds for the acquisition of agricultural and sideline products, the two sides explored the new management methods for capital acquisition of agricultural and sideline products and insisted on “money Go out, goods come in, goods go out, money come in, money goods two clear ”approach requires the acquisition of enterprises, establish their own funds management and restraint mechanisms to provide real and reliable bank account data. The Bank will supervise the entire process of all aspects of the acquisition, processing, storage, marketing, payment back, payment collection and other aspects and set up a credit supervisor and a store supervisor system to ensure that the funds are earmarked.
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