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农发行信贷业务领域拓展以来,地方政府融资平台公司(以下简称平台公司)的中长期项目贷款业务得到快速发展。如何在有效防控风险的前提下发展好该业务,需要认真研究。本文结合农发行百色市分行的工作实践,思考如下。一、当前地方政府融资平台公司项目贷款管理存在的主要问题(一)对项目资本金和配套资金到位、使用的监管偏松。在实际工作中,有的信贷人员偏重于对贷款资金支付使用的审查和管理,对项目资本金和配套资金到位、支付使
Since the expansion of the agricultural development credit business, the medium and long-term project loan business of local government financing platform companies (hereinafter referred to as platform companies) has been rapidly developed. How to develop this business effectively under the precondition of effective prevention and control of risks requires careful study. This article combines the Agricultural Bank of China Baise City branch of the work practice, consider the following. First, the current local government financing platform for the company loan management problems (a) of the project capital and matching funds in place, the use of regulation is loose. In actual work, some credit officers emphasize the review and management of the use and disbursement of loan funds. In place of paying the project capital and supporting funds,