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贵州是全国油菜籽的主产省份之一,油菜籽的购销经营是国有粮食购销企业的一项传统重要业务。近年来,随着粮油购销市场的放开,油菜籽购销市场价格波动较大,购销经营风险和农发行信贷风险增大。企业在油菜籽的购销经营中普遍出现亏损或大量高价位油脂压库、经营受阻的问题。在这样的大环境下,农发行贵州省金沙县支行始终坚持“以销定贷、以效定贷”的信贷原则,积极审慎地支持国有粮油购销企业“以销定购、以效定购”经营油菜籽购销业务,探索出了一条银企双赢的成功之路,促进了当地油菜籽生产向产业化发展,取得了较好的社会效益和经济效益。
Guizhou is one of the main producing provinces of China’s rapeseed. The purchase and sale of rapeseed is a traditional and important business of state-owned grain buying and selling enterprises. In recent years, with the liberalization of grain and oil market, the market price of rapeseed purchase and sales has been greatly fluctuated, the risk of purchase and sale business and credit risk of ADBC have increased. Enterprises in the purchase and sale of rapeseed business in the general loss or a large number of high-priced grease Yaqian, business problems blocked. In such a large environment, the Agricultural Development Bank of China branch in Jinsha County of Guizhou Province always adhere to the principle of “credit sales to loans, to set a loan”, and actively and prudently support the state-owned grain and oil buying and selling enterprises “to sell orders to purchase” to run rape Selling and buying business of seed, explored a successful win-win path between bank and enterprise, promoted the industrialization of local rapeseed production, and achieved good social and economic benefits.