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5月25日至31日我们对山东省聊城市棉花收购贷款的有关情况进行了调查。一、基本情况全市棉麻企业78个,职工2183人,其中定点企业即农发行贷款企业11个,职工2622人。1997年末全市棉花初加工能力754万担,棉纺企业加工能力72万锭,其中棉麻系统24万锭。棉纺企业设计用棉每年在200万担以上。至1998年4月末,全市棉麻企业贷款余额263722万元,库存值30135万元,库贷比例11.4%,其中直接库存值22954万元,直接库贷比例8.7%。贷款与库存值差额233943万元(其中,不合理货币资金占用6778万元;挤占挪用227165万元)。调查结果看,棉花生产逐年滑坡,棉麻企业生存艰难,信贷管理难度较大,信贷资产风险很大。
From May 25 to May 31, we conducted a survey on the loan acquisition of cotton in Liaocheng City, Shandong Province. First, the basic situation The city’s cotton enterprises 78, 2183 workers, of which designated enterprises that agricultural loans 11, 2622 employees. At the end of 1997, the processing capacity of cotton in the city was 7.54 million and the processing capacity of cotton spinning enterprises was 720,000, including 240,000 cotton and linen systems. Cotton textile enterprises to design cotton in more than 2 million Tam. By the end of April 1998, the city’s total lending to cotton and linen enterprises reached 2,637.22 million yuan, with a value of 301.35 million yuan and a loan-to-deposit ratio of 11.4%. Among them, the direct inventory value was 229.54 million yuan, with a direct loan ratio of 8.7%. Loans and inventory value of 2339430000 yuan difference (of which, irrational monetary funds occupied 67770000 yuan; misappropriation of 2271650000 yuan). According to the survey results, cotton production has been declining year by year, cotton and linen enterprises have struggled to survive, credit management is more difficult, and credit assets are at a great risk.