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早在1982年春,县支行到黄梅、孔垅、小池三个镇办事处调查,了解到有21户集体工业企业自有流动资金“倒挂”达115.9万元,表明企业没有充足的自有流动资金,全靠银行的贷款过日子。对此,我们提出建立“贷款保证金存款”制度的设想。在推行的初期,我们既注重理论宣传和实践辅导,也注重运用信贷杠杆,对积极配合的企业,在贷款上给予优先。从总的方面看,企业是支持的,推行也是比较顺利的。它符合国务院国发[1983]100号文件“应当在企业的生产发展基金中拿出10—30％,用于补充自有流动资金”的规定,和中国人民银行1981年颁发的《关于城镇集体工业、个体手工业贷款的若干规定》;“集体工业企业的自有流动资金要逐步达到占定额流动资金年度平均数的70％左右”的精神。收到了明显效果:
As early as the spring of 1982, the county branch went to investigate the three township offices of Huangmei, Kongliu and Koike and learned that there are 21 collective industrial enterprises whose own liquidity was “upside down” up to 1.159 million yuan, indicating that the enterprise does not have sufficient self-owned liquidity , Rely entirely on bank loans to live. In this regard, we propose the establishment of “loan guarantee deposit” system. In the initial stage of implementation, we focused not only on theoretical advocacy and practical counseling, but also on the application of credit leveraging. We gave priority to loans in actively cooperating enterprises. From a general perspective, the enterprise is supportive and the implementation is relatively smooth. It complies with the State Council [1983] No. 100 document “should be in the enterprise’s production development fund in the 10-30%, to supplement its own liquidity,” the provisions of the People’s Bank of China in 1981 and issued the “ Industrial and Individual Handicraft Loans, ”and“ The collective liquidity of the collective industrial enterprises should gradually reach about 70% of the annual average of the fixed liquidity ”. Received a significant effect: