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随着棉花流通体制改革的不断深化,棉花信贷管理面临许多新情况、新问题,要实现棉花收购资金持续稳定封闭运行,必须采取切实可行的措施加以改进和完善。一、目前棉花信贷管理面临的问题(一)高度集中的垄断经营体制,使棉花企业经营不善,偿贷还息难以保证。一是由于棉花经营的特殊性,企业长期受计划体制的约束,缺乏经营意识,不讲求经营效益,大多数棉花企业经营困难,亏损严重,信贷资产质量难以提高,不合理占用贷款增加。二是棉花销售受行政干预,形成大量拖欠货款。拖欠货款的棉纺企业虽长期占用这部分资金,但与农发行却无债权债务关系,农发行无权监督其资金活动,更无法直接向其收回贷款本息,加大了农发行贷款风险。三是大部分棉花企业受供销
With the continuous deepening of the reform of cotton circulation system, many new situations and new problems have been faced in the management of cotton credit. In order to achieve a stable and stable operation of cotton acquisition funds, practical measures must be taken to improve and perfect the cotton credit management. First, the current problems facing the management of cotton credit (A) a highly centralized monopoly management system, so that cotton business is not good, it is difficult to guarantee the repayment of loans and restitution. First, due to the particularity of cotton business, the long-term constraints of the enterprise by the planning system, the lack of operational awareness and the lack of operational efficiency, most cotton enterprises have difficulties in operation and serious losses, making it difficult to improve the quality of credit assets and irrationally occupying loans. Second, cotton sales are subject to administrative interference, resulting in a large number of default payments. Although long-term occupy this part of the funds, long-term occupation of cotton spinning enterprises, but with the Agricultural Development Bank has no debt relationship, the Agricultural Development Bank does not have the power to supervise its capital activities, but can not directly recover the principal and interest loans to increase the risk of the Agricultural Development Bank loans. Third, most cotton enterprises are subject to supply and marketing