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信贷管理是银行经营管理的关键环节。作为刚刚成立的农业发展银行,切实抓好信贷管理,确保信贷资产质量优化,显得尤为重要,也是全行工作之核心。湖南分行的具体做法是:一、实行贷款由经济实体承贷承还制度,确保贷款投放安全1995年,总行安排我行开发性贷款计划3.92亿元,其中:农业综合开发贷款1.35亿元,扶贫贷款1.65亿元,林业贴息贷款0.54亿元,农林水基建和技改贷款0.38亿元。为确保贷款项目的经济效益,我处会同全省各代理行,对各地农行评估推荐上报的近400个贷款项目逐一
Credit management is a key link in bank management. As the newly established Agricultural Development Bank, it is particularly important that we must effectively grasp credit management and ensure the optimization of the quality of credit assets, and it is also the core of the Bank’s work. Hunan branch of the specific practices are: First, the implementation of loans by the economic entity loan commitment system to ensure the safety of loans In 1995, the Bank arranged for our development loan plan 392 million yuan, of which: agricultural comprehensive development loans 135 million yuan, poverty alleviation Loans 165 million yuan, forestry interest-subsidized loans 0.54 billion yuan, agriculture, forestry, water infrastructure and technological transformation loans 38 million yuan. In order to ensure the economic benefits of loan projects, we will work with the agencies in our province to check and report nearly 400 loans one by one