Hebei Branch Of Agricultural Development Bank Strictly Prevent Loan Risk, Cotton Purchase Loan Principal And Interest "Double Knot Zero"

4 years in a row

On the basis of the "double knot zero" of the loan principal and interest, in order to ensure the early and safe recovery of the cotton purchase loans in 2011, the Hebei branch of the agriculture development bank, in view of the low price of the raw material market of cotton and the complex situation of the weak market of the cotton consumer goods, seized the "four outstanding points", did not relax, vigorously promoted the loan collection, and strictly prevented the loan risk.

This year, the 1 billion 693 million yuan cotton purchase loan and interest have been recovered, and the loan principal and interest rate has been "double knot zero" for 5 consecutive years, which has promoted the benign circulation of the cotton purchase credit fund.

In the promotion and loan deployment, it highlighted "early" from the beginning of the year. The bank held two provincial cotton promotion lending video conferences, and instructed the whole province to shift the focus of cotton credit to the promotion and loan collection as early as possible, and abolished the provisions of 30%, 50% and 80% in the previous year's recovery progress, and explicitly promoted the sale of the state's temporary reserves as the main sales channel, and urged all loan enterprises to seize the favorable opportunity for the state to purchase temporary reserves, and to hand in all the pactions in accordance with the requirements of quality and time.

At the same time, it has coordinated with the announcement of the provincial treasury storage points for many times to create convenient conditions for the loan companies to close their stores.

A total of 930 thousand supporting enterprises in charge of loans, accounting for 49% of the annual purchase volume, both reduced the risk and promoted the temporary storage of the state.

Effective implementation.

For those who do not participate in the storage of cotton, we should actively guide enterprises to sell in a timely manner through electronic matching, supply and demand convergence.

On the basis of the principle of "one enterprise and one policy", we have formulated loan collection and interest rate plans and targeted promotion and loan collection measures respectively.

Taking advantage of system advantages and information superiority, under the premise of controllable risks, we actively help enterprises to build up a docking platform for supply and demand convergence and production and marketing, strive to broaden the sales channels of enterprises, and urge the two sides to establish long-term and stable relationship of purchase and sale, so as to ensure that the loans of the Agricultural Development Bank are implemented in a large closed operation within the system.

There are "four links" for the promotion and loan work of all banks and loan companies within the jurisdiction, that is, linking up the situation of the promotion and loan with the eligibility of new year's loan, the approval of the new year's loan amount, the new year's loan and the annual room line evaluation, so as to promote the expected effect of the promotion and loan collection work.

In the promotion of loan supervision, we should highlight "diligence" to increase the frequency of work supervision, and urge enterprises to acquire, process and sell quickly, speed up the turnover of business, and sell them in cash or electronic trading platform in a timely manner.

Through the national cotton trading market and other electronic platform long-term sales, increase tracking efforts, and urge the paction payment timely withdrawal.

On the basis of on-the-spot supervision, daily telephone supervision, timely mail and notifications, and on the basis of timely reporting of cotton purchase and sale, monthly reports, daily reports, five daily newspapers and two daily reports, a special journal on promotion and loan collection was launched, and the activities of "promotion loan comparison" were launched. The progress of activities was announced in a timely manner through various carriers, encouraging advanced and promoting backwardness, and ensuring the continuous promotion of the promotion and loan collection work.

In the supervision of the promotion and loan collection, we must emphasize "strict" and increase the supervision and regulation of the self sale and purchase of the enterprises. We must urge the enterprises to sign a real and effective purchase and sale contract before the end of March, and upload the contract text to the provincial branches. We must strengthen the supervision over the self use cotton stocks of the integrated enterprises, and urge the banks to recover the principal and interest of the cotton purchase loan of the Agricultural Development Bank in time.

We should strengthen the management of the sales link and insist on the notification system.

We should actively promote the open and pparent sales methods such as electronic matching and online supermarkets, and strictly implement "two tickets".

To strengthen the supervision of sales payment and ensure that it is ensured.

Timely return to the Agricultural Development Bank in full.