棉花信贷风险准备金比率及担保贷款比率管理措施,对于增强企业经营责任、提高农发行风险防控能力起到了积极作用,但也存在诸多问题。随着信贷监管不断强化,赋予“两率”更多的信贷调节杠杆作用已迫在眉睫。棉花信贷风险准备金比率及担保贷款比率管理措施(以下简称“两率”)已实施了十余年,期间总、分行对于保证金来源真实性、比例及企业贷款抵质押物范围、折率、比例要求也多次进行修订、完善。“两率”措施对于增强企业经营责任、提高农发行风 The cotton credit risk reserve ratio and the guaranteed loan ratio management measures have played a positive role in enhancing the management responsibility of enterprises and enhancing the risk prevention and control capability of the ADB, but there are also many problems. With the continuous strengthening of credit supervision, it is imminent to give more leverage on credit regulation. The cotton credit risk reserve ratio and the guaranteed loan ratio management measures (hereinafter referred to as the “two-rate”) have been implemented for more than ten years. During the period, the branches and branches concerned about the authenticity of the source of the deposit, the proportion and the scope of corporate loans collateral, The proportion of requirements has also been revised several times, perfect. “Two rates ” measures to enhance business responsibility and improve the style of agricultural development