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粮食主销区市场放开后,如何防范贷款风险是当前或今后一段时期所不容忽视的问题。本文仅就此问题进行探索和思考。一、“主销区”粮食市场放开后所保留下来的政策性贷款业务状况近期从农发行天津市西青支行调研来看,农发行天津市西青支行作为大港、津南、西青、北辰“四区”政策性粮食贷款供应与管理行,现有粮食购销企业和非粮食购销企业开户单位23户。其中粮食购销企业16户,均开立了“一基三专”帐户;非粮食购销企业7户,实行封闭管理运行机制。截至2001年8月末全行各项贷款余额达41504万元,贷款结构现状如图。
How to prevent the loan risk after the market of the main grain sale area is opened up should not be overlooked at present or in the future. This article only to explore and think about this issue. First, “main sales area ” the policy of the lending business conditions left after the release of the grain market recently from the Agricultural Development Bank, Tianjin Xiqing Branch of the survey, the Agricultural Development Bank of Tianjin branch of West Green as Dagang, Jinnan, West Green , North Star “four districts ” policy of the supply and management of grain loans, the existing grain buying and selling enterprises and non-grain buying and selling enterprises account for 23 units. Among them, there are 16 grain purchase and marketing enterprises, all of which have set up their account of “one based on three specializations” and 7 non-grain purchasing and marketing enterprises, and implemented a closed management operation mechanism. As of the end of August 2001, the loan balance of the Bank amounted to 415,040,000 yuan. The current status of the loan structure is shown in the figure.