农业政策性收购贷款,是银行发放用于收购、储备、调销粮棉油等农副产品的专项贷款。目前,它主要来源于属于基础货币的中央银行再贷款。因此,如果农业政策性收购贷款大量流失,必将迫使中央银行扩大再贷款规模,从而增加投放基础货币来保证农副产品采购资金需要,很容易削弱中央银行的金融宏观调控能力,引发信用膨胀,最终导致通货膨胀。农业政策性收购贷款流失主要表现为:1.财务挂帐大量挤占了收购贷款,使其周转不灵、循环不良,严重影响了收购贷款的及时归流。2.粮食企业采用多头开户、建立系统内结算中心,实行收购贷款上贷下转等方法,逃避银行监督。3.银行挪用收购贷款,用于调剂资金头寸,解决营运资金急需。4.有的地方政府通过行政手段转移收购贷款用途,投资于地方经济建设。 Agricultural policy acquisition loan is a special loan issued by the bank for purchasing, reserving and marketing agricultural and sideline products such as grain and cotton oil. At present, it mainly comes from the central bank repayments that belong to the base currency. Therefore, a drastic loss of agricultural policy-oriented acquisition loans will inevitably force the central bank to expand the scale of re-lending so as to increase the base money supply to ensure the funding needs of agricultural and sideline products. This will easily weaken the central bank’s financial macro-control capacity and lead to credit expansion. Eventually Cause inflation. The main reasons for the loss of agricultural policy-oriented acquisition loans are as follows: 1. The large amount of financial loans have squeezed out the acquisition loans, resulting in poor turnover and poor circulation, which seriously affected the timely return of acquisition loans. 2. Grain companies use long accounts, the establishment of an intra-system settlement center, the implementation of loans on loan acquisition and other methods, to evade bank supervision. 3. Bank misappropriation of loans for the swap positions for funds to address the urgent need for working capital. 4. Some local governments use administrative means to divert the use of loans and invest in local economic construction.