农业发展银行辽宁省分行自1995年正式运营以来,围绕总行提出的开发信贷工作的指导思想,狠抓了开发信贷管理的基础工作,在实践中探索出“贷款管理基础工程”的基本思路,并积极组织实施,对强化贷款管理,完善信贷经营机制,提高开发贷款使用效益起到了有力地促进作用。到1996年末,全省开发贷款逾期率28%,比1994下降了10个百分点;到逾期贷款收回率由1994年的85%提高到95%。两年来发放的开发贷款无一笔逾期,基本上做到了看准一项、支持一项、成功一项。贷款管理基础工程主要包括以下方内容:一是党和国家每个时期的产业政策、金融政策和经济法规,地方政府农业和农村经济发展规划和目标等资料;二是总行和省分行制定的关于农业开发贷 Since its official operation in 1995, the branch of Agricultural Development Bank of China Liaoning Branch has focused on the guiding ideology of developing credit work put forward by the head office and has paid close attention to the basic work of developing credit management and has explored the basic idea of ​​“basic project of loan management” in practice , And actively organized and implemented them, which have played a significant role in enhancing loan management, improving the credit operation mechanism and improving the utilization efficiency of development loans. By the end of 1996, the development loan overdue rate in the province was 28%, a drop of 10% over 1994; the rate of recovery of overdue loans increased from 85% in 1994 to 95%. Over the past two years, none of the development loans issued was overdue, basically achieving the spotlight, supporting one and succeeding. The basic project of loan management mainly includes the following contents: First, the industrial policies, financial policies and economic laws and regulations at each stage of the Party and state, the plans and targets for the development of local government agriculture and rural economy; secondly, Agricultural Development Credit