资金计划管理讲义

资金计划管理讲义 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 资金计划管理培训讲义 第一部分 概述 农发行资金计划管理是一项综合性、政策性、原则性很强,管理内容十分丰富的工作,是全行业务经营管理活动的重要组成部分,是履行农业政策性金融职能的重要工具。认识和掌握资金计划管理的基本原理、基本职能和基本方法,对于发挥资金计划管理职能作用,促进全行业务经营活动顺利开展和各项经营目标的实现具有十分重要的意义。 一、概念 农发行资金计划管理是以国家有关政策为指导,遵循信贷资金运动的基本规律,为实现农业政策性金融目标和业务经营目标而开展的一系列资金计划管理活动的总称。 二、内容 ,一, 信贷计划管理* ,二, 资金管理* ,三, 现金管理 ,四, 利率管理 ,五, 财政补贴资金管理* ,六, 业务综合管理 ,七, 存款管理* HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, ,八,中间业务管理* 注,带“*”内容表示在后面部分具体介绍 三、主要职能 ,一,宏观调控职能。是指农发行在国家农业产业政策和货币政策的指导下,通过资金计划管理活动,体现和落实国家的有关宏观调控政策,体现对全行业务经营活动的调控。资金计划部门编制信贷计划、现金使用计划、向人行借款计划,实施利率管理等活动,都是国家宏观调控政策和货币政策意图在农发行的具体体现。 ,二,业务综合职能。这是由资金计划部门在全行业务经营活动中所处的地位决定的。首先,以信贷计划为依据有组织地筹措、调度和运用信贷资金是农发行开展各项业务的保证。其次,通过开展业务经营分析活动能及时、全面、系统、准确地反映全行各项业务发展和运行的总体面貌。第三,通过加强财政补贴资金管理、存款管理、中间业务管理等,有助于实现对信贷风险的防范和处置,以及财务经营成果的顺利实现。 ,三,内外协调职能。资金计划管理的综合性决定了资金计划部门的工作不仅需要与本行信贷、会计、审计、风险等职能部门密切合作,而且还要经常和国民经济有关部门,如,人民银行、财政、涉农企业主管部门等保持必要的业务联系和沟通协调。 area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 2 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, ,四,监测反映职能。是指在实施资金计划管理活动基础上,通过对业务经营活动进行分析和判断,发现新情况、新问题,有针对性地提出解决意见和建议,并及时将有关信息反馈给决策者,为领导科学决策提供依据。 四、主要目标 ,一,完成宏观调控任务。 ,二,保证合理资金供应。 ,三,降低营运成本。 ,四,严格监督控制 ,五,防范经营风险 第二部分 信贷计划管理 信贷计划管理是农发行整个业务管理活动中的重要组成部分,是国家进行宏观经济调控的重要手段。做好信贷计划管理,对于履行农业政策性金融职能、充分发挥资金计划管理的宏观调控作用、实现农发行的政策目标具有重要意义。 一、基本概念和主要内容 ,一,基本概念 信贷计划管理是指根据国家有关政策规定和我行业务发展整体目标,对一定时期内信贷业务活动和信贷投放规模进行预测、规划、安排、监测、调控和反映。 ,二,信贷计划的种类 area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 3 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 按信贷计划管理的项目分,包括信贷资金来源和运用两方面。也就是说,完整的信贷计划包括存款计划、贷款计划两部分。 贷款计划又分为政策性短期贷款计划、政策性中长期贷款计划、商业性短期贷款计划、商业性中长期贷款计划。 ,三,主要内容 就是信贷计划的预测编制上报、汇总核批下达、组织实施和适时调整、监测考核和分析反馈,这是计划管理的全过程和主要内容,日常的计划管理就是围绕这些方面展开的。 二、农发行信贷计划管理体制变革简要回顾 农发行的信贷计划管理体制,是随着粮棉流通体制的改革进程而不断调整变化的。 1995年农发行行组建后,实行政府领导下的粮棉油收购资金分级分部门管理的信贷计划管理体制,按照收购资金“约法三章”精神和库贷挂钩的原则,在测算需求的基础上,依据我行应承担的收购资金安排贷款计划。为了解决财政部门和收购企业资金暂时不能到位而给农民打“白条”的问题,1997年推行了粮棉油收购资金垫付贷款管理办法。1998年,按照“收一斤粮,棉,贷一斤粮,棉,的贷款”的政策,实行了“全年计划,分季实施,核定限额,资金配套”的信贷计划管理办法。2000年又调整为“全年计划,分季实施,跟踪监测,适时调整”。2002年,根据粮棉流通体制改革形势的变area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 4 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 化,实行“统一计划、分类管理、跟踪监测、适时调整”的信贷计划管理体制。 三、人民银行对农发行计划管理的有关要求 对农发行而言,由于不可能实行资产负债比例管理,所以,人民银行对农发行下达的贷款计划,实行严格的指令性管理,年末时点数,上限不许突破。因此,总行、省、市分行逐级下达的贷款计划也是指令性的,也是上限不许突破。 央行对商业银行实行资产负债比例管理,不能直接采用行政手段,而是更多地采用经济市场手段,甚至会采取惩罚性的经济手段加以干预,以体现货币政策调控意图。 四、《信贷计划分类管理办法》解读 ,一,信贷计划的管理原则。信贷计划管理坚持“区别对待、分类管理、规模调控、均衡实施”原则。 1、区别对待。在信贷计划分配上,政策性贷款和商业性贷款要有区别,商业性贷款中粮棉油收购贷款和一般商业性贷款要有区别,短期贷款和中长期贷款要有区别,行际间贷款质量不同的要有区别。 政策性贷款和商业性贷款要有区别,政策性贷款优先考虑,保障供应,商业性贷款中粮棉油收购贷款和一般商业性贷款要有区别,商业性贷款中收购贷款享有优先权,原则上也是保证供应。短期贷款和中长期贷款要有区别,即先短期后中长期,在全行规模紧张时,优先安排短期贷款规模,适area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 5 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 当控制中长期贷款规模比例,因为中长期贷款周期长、见效慢、风险大,应持审慎的态度。行际间贷款质量不同的要有区别,在对各行进行规模分配时,对经营管理水平不同、贷款质量不同要有区别,并不是平均分配,经营管理水平高、贷款质量好要优先考虑,予以一定倾斜,反之就要适当控制。 2、分类管理。在信贷计划管理上,对政策性贷款,必须及时安排、足额保障,对商业性贷款,坚持粮棉收购贷款优先,安全性、效益性与流动性并重,对中长期贷款,依据全行发展规划合理确定长、短期贷款比例,审慎安排中长期贷款计划。 在区别对待的基础上,对不同种类的贷款计划要分开管理,采取不同的管理方式。 3、规模调控。在人民银行核批农发行信贷计划之内,总行对各省级分行实行规模调控,未经批准不得突破。在总行核批信贷计划之内,各省级分行对辖内分支行也实行规模调控。 4、均衡实施。要充分发挥信贷计划对业务经营方向及规模的规划和引导作用,通过信贷计划安排与资金供应的有效衔接,引导各行均衡实施信贷计划,实现信贷规模合理增长。 “引导”均衡而不是必须均衡,通过计划的调控作用,尽量引导各行均衡放贷,避免贷款大起大落。 ,二,信贷计划的管理方式。农发行信贷计划实行“统一area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 6 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 计划、分级管理”的管理方式。计划管理实行下管一级,分级负责。 ,三,信贷计划管理主要内容。包括,信贷计划的编制上报、核批下达、组织实施和监测考核。 1、信贷计划的编制依据 信贷需求预测是信贷计划管理的基础。信贷需求预测是对计划期内信贷资金需求量的调查和判断,预测的目的在于适时适量地供应信贷资金,以保证粮棉油购销活动对业务经营活动对信贷资金的合理需求。 信贷计划的编制,是整个信贷计划管理活动过程中最重要的一个环节,是对未来一定时期信贷业务发展趋势、发展规模、发展目标的描述、和规划,是实现业务经营目标的重要手段。资金计划部门作为综合业务部门,应该对国家政策,包括国务院有关粮棉流通体制改革的方针政策,国家有关部门制定的有关购销政策、价格政策、补贴政策、市场管理政策,国家货币政策、金融管理等规定,当地政府出台的相关配套政策规定和实施意见、操作办法等,、农发行政策、行里的业务发展规划,包括计划期内我行信贷业务范围、经营管理要求、职能任务调整、为实现经营管理目标而采取的信贷业务管理措施以及信贷计划管理方式等,、各业务部门的管理政策都要有所了解和把握,吃透精神,同时,对外要加强和宏观经济部门,如金融管理当局、行业主管部门、area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 7 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 统计部门等的联系沟通,对内要与行内的客户部门、信贷管理部门、财会部门加强沟通和配合,系统收集行内外的相关资料和数据,包括历年同期粮棉油生产量、收购量、销售量、购销价格、信贷资金需求量、信贷资金投放量、信贷资金回笼量、贷款余额增减变化等相关资料,,并对历年的相关数据进行分析整理。在了解当年购销储政策的基础上,对当地粮棉油等农作物的相关信息包括粮棉油生产,种植面积、单产、总产,、商品量、商品率、价格,国内外市场供求信息、购销价格信息、市场管理信息,粮棉油收购、调销、储备等信息。收购量、销售量、预计投放,收回,贷款都要作出分析和判断。商业性贷款部分,对新业务的营销情况、预期贷款审查通过情况都要了解和掌握,这些都是做好信贷计划的基础工作。只有做到这些,才能提出相对科学合理的计划草案,获得行内外各部门的认同和行领导的认可。 2、信贷计划的编制方法 编制信贷计划一般采用余额增减法,以“自下而上”和“上下结合”的方式编制。存款计划按照计划期内存款预计比年初净增减额编制。贷款计划按照计划期内贷款比年初净增减额编制。好处,一是便于监测,二是在单季度计划调整时,如二季度计划追加,三季度计划与年度计划都可以维持不变。 ,1,存款计划的编制。企事业单位存款计划根据本行开户企业预计销售回笼和费用结余情况编制,专项存款计划area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 8 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 参照历年财政补贴拨补到位情况和当期财政补贴政策编制。 ,2,政策性贷款,含准政策性贷款,下同,计划的编制。政策性短期贷款计划由各级行根据国家发改委下达的中央粮棉油专项储备计划和各级政府下达的地方粮棉油储备及调控计划进行编制,政策性中长期贷款计划由各级行根据省级政府安排的粮食风险基金借款计划及其他中长期贷款需求编制。政策性贷款计划通常受政策影响,有很多不可预测因素,要根据政策和政策执行情况及时修改计划了。 粮棉油收购贷款部分,要参照本地当年粮棉油产量、企业贷款需求、贷款与库存值变动情况以及企业规避风险能力等因素编制。 ,3,商业性短期贷款计划的编制。根据所辖企业的全年经营计划及贷款需求状况,充分考虑企业近两年实际经营效益情况和具体偿债能力编制。 ,4,商业性中长期贷款计划的编制。要建立中长期贷款计划项目库,根据本行年度中长期贷款业务发展规划,从中选择效益高、风险小的项目汇总编制。 3、信贷计划的上报要求 ,1,年度信贷计划的上报。各省级分行须于每年11月末前,以行发文形式上报下一年度信贷计划及说明。地市分行、县级支行年度信贷计划编报时间由省级分行自行确定。 全年信贷计划事关全行业务发展,不是计划部门一家的area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 9 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 工作,《办法》里明确提出要行发文形式报总行,目的是引起行领导和全行的重视。 ,2,季度信贷计划的上报。各省级分行于每年12月20日之前,以行发文形式上报下年度第一季度信贷计划表及说明。其他季度的信贷计划,在各分行收到上级行核批的年度信贷计划后,15个工作日内以行发文形式上报年度信贷计划的分季实施计划表及说明。地市分行、县级支行第一季度及年度分季实施信贷计划编报时间由省级分行自行确定。 由于一季度时人民银行的贷款计划尚未下达,为了不影响各级行业务的正常开展,《办法》对一季度计划做了单独布置。二、三、四季度计划则要求各行在收到总行下达的年度计划后,分解到各季度中去,实际上是年度计划的分季实施计划。计划要力求准确,但不是考核指标。 ,3,月度信贷计划的报备。各省级分行根据总行核批的季度信贷计划,于上季末20日前以处发文形式报备本季度信贷计划的分月实施计划及说明。地市分行、县级支行季度分月信贷计划的编报时间由省级分行自行确定。 月度计划主要是为资金调度与平衡做参考,是季度计划的按月实施进度,总行只监测不考核,也无须申报调整。 4、信贷计划的核批下达 总行在中国人民银行核批信贷计划总量之内,对各省级分行核批信贷计划。各级行在上级行核批的信贷计划之内,area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 10 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 对下核批信贷计划。 核批信贷计划的参考因素, ,1,存款计划根据各行上报数及财政补贴拨补情况核批。 ,2,政策性贷款计划根据国家及省级政府下达的储备、调控及粮食风险基金借款计划等相关文件以及贷款与库存值变动情况核批, ,3,商业性短期贷款计划根据各行对辖区内开户企业当年各项商业性短期贷款需求的预测、粮棉油贷款与库存值变动情况和上期各行资产利润率、不良贷款下降额及占比、计划报备偏差率及核批计划执行率等指标核批, ,4,商业性中长期贷款计划根据国家有关宏观调控政策和总行可筹措资金额度,并视各行经营管理水平、风险防范能力、具体需求及上报项目审查通过率切块下达。 信贷计划核批下达的基本程序, 计划部门根据上级行核批的各项信贷计划,参考下级行上报的信贷计划及相关指标数据和资料进行综合后,拟定信贷计划分配意见,年度信贷计划经主管行长审核报行长审批后下达。 5、信贷计划的组织实施 存款计划作为信贷计划的重要组成部分,是指导性计划,各级行要加强存款组织工作,力争完成存款计划。 area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 11 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 各级行必须严格按照上级行核批的贷款计划组织实施,年度和季度贷款计划未经上级行批准,不得突破。 年度和季度贷款计划若需调整,必须按照以下原则先行调剂,政策性贷款计划不足时,可在报备上级行后,从本行商业性贷款计划中调剂解决,若计划结余,不得用于商业性贷款计划。商业性贷款计划要优先保证农业生产资料储备贷款需求。若调剂后仍然不足,必须以正式文件形式申请调整,经上级行批准后方可执行。 计划不足需调整时,首先要自行调剂。政策性计划不足,需先自行从本行商业性贷款计划中调剂解决,不必报总行。短期计划不足,也可自行从长期计划中调剂,即总计划不超,短期计划超是允许的。 6、信贷计划的监测考核 各级行必须坚持按旬,月、季,监测各项存、贷款计划执行情况,上级行要定期对辖内贷款计划执行情况进行分析、考核。 信贷计划管理考核内容,主要考核各行年度、季度贷款计划的执行情况。 实际执行数 核批计划数贷款计划执行率=×100% 计划管理目前只考核贷款计划的执行率,每季度考核一次。目的是杜绝空占计划。信贷计划不是制约业务发展,而area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 12 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 是在服从国家宏观调控的大背景下,根据国家政策和全行业务发展目标对信贷业务进行规划、设计,促进其良性、健康发展。 ,四,信贷计划管理纪律 1、必须按规定时间和要求编报各类信贷计划, 2、必须按照上级行核批的各项贷款计划及其要求组织实施,不得擅自突破, 3、必须保证信贷计划执行情况的真实性。 对违反以上信贷计划管理纪律的,根据信贷计划管理要求及违规处罚有关规定予以处理。 第三部分 资金管理 一、 基本概念 农发行资金管理是指对全行信贷资金的运营与调节,是通过合理、有效地组织、营运和使用资金,在确保全行资金流动性的同时,保证国家农业信贷政策和我行各项业务发展需要,最大限度地提高资金的使用效益。 二、农发行的资金来源 ,一,人民银行再贷款。农发行成立以来,再贷款一直是农发行主要信贷资金来源。 ,二,存款。主要包括企事业贷款活期存款、单位定期存款、财政性存款等。 area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 13 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, ,三,资本金。资本金是银行最基本的资金来源,是银行开业经营和进一步发展的基础和前提条件。 农发行由政府出资组建,按照国务院规定,注册资本为200亿元人民币,属国家资本金,其中一部分从工商银行、农业银行和人民银行信贷基金中划转,其余部分由财政部门通过财政对农发行自身缴纳的营业税和所得税的退库资金来充实。 到2005年末农发行实收资本约为166亿元,仍未达到组建农业发展银行时要求的200亿元注册资本金数量。 ,四,市场化筹资 1、发行金融债券。 随着人民银行再贷款政策的调整,发行金融债券将是完善农发行筹资机制的重要途径,也是农发行维持和发展业务的最主要资金来源。 农发行的金融债券发行方式以1998年为分界,经历了派购发行和市场化发行阶段。1998年以前,我行派购发行了460亿元金融债券,至2003年底,已经全部兑付完毕。 从2003年年底起,农发行开始逐步探索市场化发行金融债券。2004年发行了408亿元金融债券,2005年发行了2001.7亿元金融债券,2006已发行650亿元。通过发行金融债券,不仅为我行业务发展提供了资金来源,而且改善了我行的负债券结构,降低了我行负债成本,也在金融市场上area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 14 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 树立了农发行的良好社会形象。 2、同业拆借。 银行间的同业拆借是银行获取短期资金来源的简便方法。按照人民银行同业拆借审批规则规定,政策性银行只允许以一级法人为单位,开展同业拆借业务。根据这一规定,各省及省以下分行不得开展拆借业务。目前总行开办了同业拆借业务,拆借限额额度为84亿元。此项业务的开展,为总行提供了快捷灵活的资金补充来源渠道,有利于我行调剂资金头寸余缺。为防范同业拆借风险,按照人民银行规定,政策性银行开展同业拆借业务是有前提条件的,即按照农发行当年发债计划的额度来确定,最高为7%。拆入最长期限为21天,拆出资金期限不得超过对手方的由人民银行规定的拆入资金最长期限。提高资金使用效益。 3、其他同业融资业务。 其他同业融资业务包括协议存款、同业存款等。协议存款一般由总行直接办理。 ,四,财务资金。主要是向企业收取的贷款利息等资金。 三、农发行的资金运用 ,一,发放贷款。发放贷款是农发行资金运用的最主要方面。 ,二,归还人民银行再贷款本息。按照人民银行规定,从2004年至2010年,农发行每年需要净归还人行再贷款area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 15 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 400亿元。7年总计2800亿元。此外,年均需要归还人行再贷款利息150多亿的再贷款利息。 ,三,兑付到期债券本息。按照债券兑付有关管理规定,债券到期必须及时兑付债券本息,具体业务操作程序本讲座不予详述,,未能及时兑付的,将受到人民银行有关方面的通报,并进行高额罚息。随着我行债券占全行负债比重的增加,兑付到期债券本息的压力将相应增加。 ,四,支付企业存款本息。随着存款客户及其资源的增加,业务的拓展,过去我行以支付企业派生存款为主的支付企业存款本息将有可能转为支付企业自有存款。因此,各级行要加大企业存款监测力度,及时筹措资金,保证企业存款的支付。此外,还有归还协议存款、同业存款,支付同业存款利息支付。 ,五,归还同业拆借资金本息。方式与归还到期债券本息方式相同。 ,六,清算往来资金。农业发展银行往来资金清算包括同业往来资金和联行往来资金清算。 1、联行往来资金清算。是指农发行系统内联行资金往来形成的来帐与往帐的资金清算。农业发展银行综合业务会计应用系统开通后,联行资金实施逐笔即时清算。 2、同业往来资金的清算。是指由于办理不同金融机构开户企业之间的货款结算而存放在它行的款项和它行存放area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 16 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 的款项轧差所占用的资金。主要依靠人行大额支付系统和人民银行小额支付系统进行清算。 三、资金营运管理 资金营运管理是为了保证业务发展合理资金需求,促进信贷计划的实施,适时灵活调度资金,合理运用资金,提高资金营运效益。要完成职责任务,需要建立科学的资金管理方式。农发行目前对信贷资金、财务资金和往来资金进行统一调度管理,实行统筹统还、分级管理、统一调度的管理方式。 ,一,管理原则 农发行资金管理应坚持区别对待、分类管理,计划调度、合理定价的原则。 ,二,资金调度 1、资金调度方式。 系统内资金调度分别采用人民银行汇划资金和系统内联行汇划资金两种方式。 2、资金调度的一般原则 一是按资金计划指导调度资金, 二是按资金管理程序调度资金, 三是系统内资金统一调度。 3、资金调度流程。 资金调度实行逐级请调、逐级审批、总行审定、直接划area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 17 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 拨的办法。 ,1,资金请调额度的预测。 ,2,借款资金请调申请信息的上报。 ,3,借款资金请调申请信息的审核,批,。 ,4,总行对借款资金的下拨。 ,5,借款资金的归还。 ,6,往来资金的清算。 ,三,资金往来的监测 各级行要建立相应的资金调拨台账和报表,据此监测、分析资金运营情况。资金调拨台账及报表由综合业务会计系统自动生成。目前的台账及报表有,《中国农业发展银行系统内资金往来台账》、《中国农业发展银行资金往来统计表》、《中国农业发展银行资金往来情况表》,包括,总计、实拨和转账,。 ,四,内部资金定价管理,系统内利率管理, 农发行系统内利率包括一年以内借款利率,一年以上期限借款利率和上存资金利率,以及逾期罚息利率。总行借助系统内利率杠杆调整总分行之间的利益关系,使资金在全行范围合理流动,达到资金的最优配置的。 ,五,资金头寸管理 1、资金头寸的概念 资金头寸通常是指银行的可用资金量。它有两种含义,area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 18 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 一是时点的概念,二是时期的概念。 2、资金头寸的匡算 资金头寸匡算主要内容为营业当日可用头寸的匡算、短期头寸的匡算以及中长期头寸的匡算。 ,1,当日资金头寸的匡算 当日资金头寸的匡算是指在掌握营业日初始可用资金头寸的基础上,匡算当日营业活动中能够增加或可能减少的可用资金,从而测算营业日结束时资金头寸是多余还是不足,以便统筹安排资金,保持营业日结束时的信贷资金平衡。 ,2,近期资金头寸的匡算 短期资金头寸变动情况匡算,是当日资金头寸变动情况匡算在时段上的扩展。预测的时期越长,影响资金头寸变化的因素越多、情况越复杂,预测的难度越大。农业发展银行各级行的信贷资金需求基本依靠向上级行借款解决,收回的信贷资金要及时归还系统内借款,因此,根据各种可能发生的情况对近期资金头寸变动情况进行预测非常重要,它是总行合理地调度、安排资金的主要依据。 ,六,借款计划管理 借款计划指下级行上报的实借,还,资金净额计划。 1、上报程序。系统内借款计划实行每旬8日通过综合业务系统,自下而上逐级编制、上报的操作程序。资金计划包括月度借款计划和旬借款计划。上级行根据资金计划调拨area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 19 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 资金。 月度借款计划由下级行依据上级行核批的信贷计划,结合自身用款进度自下而上编制上报,旬借款计划依据月度借款计划编制上报。 2、编报的具体内容。主要有,实际净借,还,款总额,1年以内实借,还,资金净额、1年以上实借,还,资金净额。 3、系统内借款计划的监测。各级行可通过系统适时查询、监测本行系统内借款计划上报情况。查询时可打印《中国农业发展银行系统内借款计划查询表》。 4、借款计划编制时考虑的因素。借款计划是管理行行匡算资金头寸,筹措资金、审批供应资金的重要依据。各级行资产、负债主要项目的变化受多种因素的制约,而且有些因素的可变性很大。要准确把握各主要影响因素,正确认识和反映客观实际,增强资金使用计划编制的准确性。一般来说,编制资金使用计划应考虑以下几方面因素: ,1,国家有关经济、金融政策,以及总行的各项政策规定。 ,2,上级行核批的计划期内信贷计划、财务计划。从某种意义上说,资金使用计划就是为保证信贷计划和财务计划的顺利实施而编制的。因此,在编制过程中,必须以信贷计划、财务计划为依据,与信贷计划的主要项目相衔接和协调,area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 20 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 以便通过资金使用计划的实施,确保信贷计划和财务计划的顺利执行。同时考虑辖内资金头寸合理占用量。 ,3,计划期内影响资金余缺变化的其他情况。 ,4,信贷资金营运的历史情况。资金营运活动是有一定规律性的。例如,现金的投放与回笼、联行汇差资金的上升与下降、同业之间清算资金的划入与划出等,都有一定规律可循,尤其是农业发展银行,资金运用与回笼有明显的季节性。及时搜集、整理和分析有关的历史资料,并结合各个时期的具体情况,灵活加以运用和借鉴,对提高资金使用计划编制的准确性大有裨益。 ,5,其他客观经济规律。影响农业发展银行资产、负债主要项目变化的因素很多,这些因素都直接或间接地受客观经济规律的制约。客观经济规律不以人的意志为转移,人们只能遵循和运用,因此,在编制信贷资金使用计划时,要充分考虑客观经济规律。影响资金变化的规律,包括信贷资金运动规律、货币流通规律、价值规律等,此外,还有季节变化规律、地区经济规律等。 5、借款计划准确率考核。 借款计划的准确性对全行管理合理营运资金头寸,科学安排筹资计划,降低资金综合成本至关重要。为提高各级行编制计划的准确率,上级行按旬计算所辖行旬借款计划偏差率,将偏差率超过20%以上的部分作为基数,按月统一收取area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 21 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 资金占置费用,占置费费率暂定为0.6‰。 第四部分 财政补贴资金管理 代理拨付财政支农资金是国务院赋予农业发展银行的一项重要职责。做好财政支农资金的代理拨付工作,既是农发行政策性业务实现封闭管理的需要,又是促进农业产业结构调整、保护农民利益的需要。因此,财政补贴资金管理工作,是我行业务管理工作的一项重要内容。 一、财政补贴资金管理的概念 财政补贴是政府为了履行社会和经济管理职能,根据一定时期国家政治经济形势的需要,以直接或间接的方式,对经济组织和城乡居民进行的无偿补助。 财政补贴资金是一种转移性支出,是国家财政政策的主要手段,对保护生产者和消费者的利益,稳定人民生活,协调政治、经济和社会中的利益矛盾具有积极作用。 自1994年农发行组建以来,代理拨付财政支农资金就是其主要职责之一。目前,由农发行代理拨付的财政补贴资金主要是粮棉油财政补贴。粮棉油财政补贴是当前国家财政补贴政策的重要组成部分,它是由各级财政预算安排的、对粮棉企业及种粮农民的专项政策性补贴,是为了调节粮棉油流通市场,保障粮棉油生产者、经营者、消费者的利益而发生的财政支出。 area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 22 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 粮棉油财政补贴是我国粮棉生产流通体制改革进程中的客观产物,产生于上个世纪六十年代,当时的补贴种类、补贴金额很少。进入上个世纪九十年代以来,随着粮棉生产和农业经济形势的变化,国家相继建立了专项粮油储备和粮食风险基金制度,2000年建立了退耕还林粮食补助制度,2004年全国统一建立了直补农民制度,2006年增加了对种粮农民的柴油、化肥等农资补贴。目前,财政部正在研究建立对种粮农民的综合补贴制度,粮棉油财政补贴的方式将不断改进。 二、财政补贴资金的种类 目前,通过我行代理拨付的财政补贴资金,共有3大类19种项目, ,一,粮油类补贴。包括, 1、粮食风险基金补贴。 2、国家储备粮油利息、费用补贴。 3、调控粮油利息、费用补贴。 4、柴油、化肥等农业生产资料增支补贴。 5、退耕还林、退牧还草、禁牧舍饲粮食补助资金。 6、老粮食财务挂账本息补贴。 7、新增粮食财务挂账利息补贴。 8、军供粮差价补贴。 9、粮油类其他补贴。 area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 23 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, ,二,棉花类补贴 1、国家储备棉利息、费用补贴。 2、地方储备棉利息、费用补贴。 3、1992年度末棉花政策性财务挂账补贴。 4、1993,1998年度棉花政策性财务挂账补贴。 5、棉花类其他补贴。 ,三,其他类补贴 1、国家储备糖利息、费用补贴。 2、国家储备肉利息、费用补贴。 3、国家储备羊毛利息补贴。 4、国家储备化肥利息补贴。 5、各级政府及财政部门规定的、由农发行代理拨付的其他政策性补贴。 三、财政补贴资金管理的内容 ,一,专户管理。 财政补贴资金专户管理是指由农发行代理拨付的各项补贴资金,根据不同的补贴种类开设专户进行核算管理。专户管理是财政补贴资金管理的基础。目前,财政部等有关部委联合制定的《粮食风险基金专户管理办法》、《国家储备粮油补贴资金专户管理办法》、《棉花财政补贴资金专户管理办法》、《军粮差价补贴款专户管理办法》等,对各项财政补贴资金的专户管理提出了明确要求。具体来说,加强专户管理area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 24 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 要做好以下几项工作,一是为同级财政及企业主管部门按规定开设补贴资金存款专户,二是按规定的会计科目准确核算和反映各项财政补贴资金,三是建立健全各项专户,实行专户资金“到户报告、支出审核、划拨通知”等,四是经常开展专户管理情况检查,防止专户资金被挤占挪用。 ,二,督促到位。 财政补贴资金能否及时足额到位,是落实财政补贴政策的关键环节。各级行要按照补贴政策的有关规定,督促财政部门将应筹措的资金及时拨付到位。要准确理解和掌握各项财政补贴资金政策,熟悉各项补贴的使用范围和,并根据有关规定按年分季测算同级财政部门应筹措的补贴资金总量,督促财政部门按规定的拨付时间和补贴金额将补贴资金拨入专户。 ,三,提供结算服务。各级农发行应积极为财政等部门提供方便快捷的服务。财政补贴资金到达专户后,农发行要在资金到达的次日,节假日顺延,,将专户资金到达情况通知开户单位。农发行在收到财政或粮食部门的拨款凭证后,若审核无误,应及时办理资金划拨手续,要在收到拨款凭证后3个工作日内将资金拨出。 ,四,监督拨付。 在补贴资金拨付环节,农发行要认真履行监督职责,对补贴对象、标准、金额等进行认真审核,如发现下拨的补贴area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 25 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 资金不符合规定用途或与补贴资金拨补文件不一致的,应暂缓划拨资金,并自接到划款凭证的次日通知开户单位,要求开户单位查明原因并重新办理拨款手续。如发现财政、企业主管部门挤占挪用补贴资金,要及时报告上级主管部门,督促其予以纠正。 ,五,监测反映。 各级行要建立财政补贴资金监测反映制度,全面、真实反映各项补贴资金的到位、拨付、专户收支、资金使用等情况。包括逐笔序时登记财政补贴资金管理台帐,按月准确及时上报统计报表,定期对补贴资金拨补到位情况进行分析。要及时反映存在的问题,提出解决问题的政策建议,对发现的重大问题,要及时向当地政府和上级行反映。 ,六,检查指导。 对财政补贴资金管理工作检查指导是正确履行监管职责的重要手段。各级行要建立财政补贴资金管理检查制度,对政策落实、资金筹措、拨付使用、专户管理等情况进行定期或不定期检查。 ,七,加强协调。 财政补贴资金管理对外涉及财政等政府部门,督促财政补贴资金及时足额拨付到位,需要做好联系协调、信息沟通等工作。各级行应主动与同级财政、粮棉主管部门等单位建立定期联系制度,协调政策,通报情况,反馈信息,共同协area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 26 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 商解决补贴资金管理中存在的问题。 ,八,明确分工。 财政补贴资金管理对内涉及计划、客户、财会等部门,是一项全行性的工作,应实行行长负责制。要明确内部职责分工,建立财政补贴资金管理责任制。资金计划部门负责与财政等部门衔接,制定财政补贴资金有关制度、办法,监督审查财政补贴资金下拨,填制和上报财政补贴资金有关统计报表。客户部门负责对拨入企业基本存款帐户的补贴资金进行监督使用。会计部门负责按规定办理资金划拨手续,并履行柜台监督职责。 四、财政补贴资金管理面临的形势 ,一,享受财政补贴的贷款仍然是农发行信贷业务的主体。 2006年5月末,在农发行各项贷款7808亿元中,享受财政补贴,含停息,的贷款达到5621亿元,占各项贷款的72%。 其中,粮油贷款6522亿元,享受财政补贴,含停息,的贷款5113亿元,占78%,棉花及其他储备贷款1262亿元,享受财政补贴,含停息,的贷款508亿元,占40%。 ,二,财政补贴资金依然是农发行最主要的收息来源。 财政补贴资金一直是农发行重要的收息来源,多年来,从补贴资金中收息占收息总额的比例始终在70%以上。2005area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 27 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 年全行从财政补贴资金中收回利息241亿元,占71%。2006年全行从财政补贴资金中收息所占比例仍将保持在70%以上。 ,三,直接发放给种粮农民及退耕农户的补贴资金不断增加。 在我行代理拨付的财政补贴资金中,用于直接补贴农民的资金比例不断提高。今年通过我行代理拨付的财政补贴资金1000亿元左右,其中直接补贴给种粮农民和退耕农户的资金约为500亿元,占补贴资金总量的一半左右。十三个粮食主产省粮食风险基金用于直补农民的比例已经达到50%。 ,四,粮棉油财政补贴方式将不断改进。 随着粮食流通体制改革的不断深化,国家将逐步减少或取消对粮食流通环节的补贴,进一步增加对种粮农民的直接补贴数量。财政部计划从明年开始在全国推行种粮农民收益综合补贴制度。目前,一些省直补农民资金已经实现了“一卡通”、“一折通”,使直接补贴农民资金发放的管道已经变得十分畅通,为建立对种粮农民的综合补贴制度做好了准备工作。 另外,国家为了提高财政支农资金使用效益,从去年开始,全国已有四个省按照财政部要求,开展了财政支农资金整合试点工作。直补农民资金、良种补贴、农机具购置补贴等均纳入了整合的范畴,对各类补贴农民资金实行“一卡通”、“一折通”发放。在此形势下,如何进一步履行好代理拨付area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 28 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 财政支农资金的职责,我们要及早研究,积极应对。各有关行要密切关注当地试点工作进展情况,密切与当地政府有关部门的联系,一方面,要防止现有通过我行代理拨付的补贴资金转由其他银行拨付。据了解,一些地方其他金融机构已经在千方百计挖这块存款,已对我行构成竞争威胁。对此,我们不能掉以轻心。另一方面,要主动做工作,尽量争取更多的财政支农资金通过我行拨付,并争取成为财政支农资金代理拨付的主办银行。 五、粮食风险基金管理 粮食风险基金是国家为了保障粮食安全而建立的专项宏观调控基金,它为促进粮食生产稳定增长,维护粮食正常流通秩序,保护种粮农民利益,确保粮食流通体制改革顺利实施发挥了重要作用。 粮食风险基金分为中央与省级财政共同建立的省级粮食风险基金和市、县级人民政府建立的粮食风险基金。在此我重点介绍省级粮食风险基金。 粮食风险基金政策自1994年建立以来,随着粮食流通体制改革逐步深化,发生了多次调整,补贴金额不断增加,管理办法不断完善。2004年3月下发的《实行对种粮农民直接补贴调整粮食风险基金使用范围的实施意见》,财建字〔2004〕75号,对粮食风险基金的使用范围进行了重新规定。 area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 29 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 目前省级粮食风险基金使用范围主要有六大项, ,一,对种粮农民的直接补贴。 ,二,省级储备粮油利息费用补贴。 ,三,对政策性挂账的利息补贴。 ,四,保护价老库存粮利息费用补贴。 ,五,对国有粮食购销企业分流人员的适当补助。 ,六,直补相关工作经费。 节余的粮食风险基金,要用于陈化粮价差亏损补贴、消化粮食财务挂帐等粮食方面的开支,不准挪作他用。 下面,我分别讲一下粮食风险基金的六项用途, ,一,对种粮农民的直接补贴。对直补资金的发放方式,各省基本上是按计税面积补贴、或按计税常产补贴、或按粮食种植面积补贴,在三种方式中自行选择。直补资金计算方法是,以县,市,为单位,按该县,市,前三至五年国有粮食购销企业按保护价收购的农民余粮的平均数,确定全县,市,享受补贴的商品粮数量,再以计税面积、或计税常产、或粮食种植面积为基础,确定每个农户享受补贴的商品粮数量,每斤商品粮的补贴标准按市场价低于保护的目标价格的差价核定,每个农户得到补贴额为核定的商品粮数量乘以补贴标准。但是,也有个别省区按照农民交售的粮食商品量补贴。根据财政部文件要求,当年直补资金尽可能在播种后3个月内一次性兑现到农户,最迟要在9月底之前基本兑付完area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 30 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 毕。 ,二,省级储备粮油利息费用补贴。省级储备粮油占用贷款利息一般按储备粮油库存值、一年期基准贷款利率据实补贴。费用补贴,储备粮每年每斤6分钱,其中保管费用4分钱,轮换费用2 分钱,储备油每年每斤2角钱,其中保管费用1角4分钱,轮换费用6分钱。 ,三,对政策性挂账的利息补贴。政策性挂帐利息专指第三轮粮食政策性挂帐利息,包括陈化粮挂账利息、保护价老粮销售价差亏损挂账利息、1998年6月以后新发生的政策性亏损挂账利息。老粮食挂帐利息和新增粮食挂帐利息应由地方财政另外预算安排资金消化,不能挤占粮食风险基金。 ,四,保护价老库存粮利息费用补贴。保护价粮食占用贷款利息由财政部门对粮食购销企业据实结算。费用补贴在2001年底以前,一般按每年每斤原粮3分钱计算,2002年以后,各省标准不一。 ,五,分流人员补助。从粮食风险基金中列支分流人员补助先要由省财政部门会同粮食部门、农发行提出申请,财政部会同国家粮食局、农发行根据各省粮食风险基金收支情况审定后,才能列支。 ,六,直补工作经费。原则上由地方财政预算安排,中央财政适当补助,地方财政安排有困难的,允许从粮食风险area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 31 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 基金列支,具体列支金额由财政部核定下达。 六、国家储备粮油补贴资金管理 ,一,国家储备粮油制度 国家储备粮油根据储备物资的具体用途不同,分为国家专项储备粮油、国家临时储备食油、特种储备粮油。与国家储备粮油制度相伴而生的,是国家储备粮油财政补贴政策。国家临时储备食油、特种储备粮油补贴资金与国家专项储备粮油补贴资金的补贴标准、拨付渠道、管理内容等相同。 ,二,国家储备粮油补贴资金的补贴标准 国家储备粮油补贴资金是指国家对储备粮油占用贷款利息以及储存所需费用的补贴。国家专项储备粮油补贴资金由中央财政全额承担,利息补贴按储备粮油库存值、一年期基准贷款利率和补贴期限计算,费用补贴标准,国家专项储备粮食每年每斤补助6分,其中4分用于保管费用、2分用于储备粮的轮换费用。国家专项储备食油每年每斤补助2角,其中1角4分用于保管费用、6分用于储备油的轮换。1999年三季度末以前,费用补贴的轮换费用和保管费用一起下拨,1999年四季度以后,轮换费用根据储备粮油实际轮换业务发生情况拨付。 ,三,国家储备粮油补贴资金的拨付渠道 国家储备粮油补贴资金的拨付渠道经历了四个阶段的演变, area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 32 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 1、1998年底以前,国家没有统一要求专项储备粮油补贴资金在农业发展银行开设专户管理。 2、1999年《国家储备粮油补贴资金专户管理办法》出台后,1999年至2000年底,国家专项储备粮油利息、费用补贴资金通过农业发展银行专户层层下拨。 3、2000年中粮储公司成立后,从2001年开始,国家专项储备粮油利息和费用补贴,分别采取不同的渠道下拨。储备粮油补贴资金的拨付方式随之改变,利息补贴由中粮储总公司和总行直接清算,费用补贴通过总行和省级分行“国家储备粮油补贴”专户下拨至企业。 4、从2004年下半年开始,中储粮总公司被纳入财政国库集中支付改革单位,直属库费用补贴由中储粮总公司以授权支付的方式通过建设银行零余额帐户直接下拨至各直属库。代储库的费用补贴由各分公司以授权支付的方式通过建设银行零余额帐户直接下拨至各代储库点。利息补贴仍由中粮储总公司与总行直接清算。 ?关于财政国库集中支付改革。财政国库集中支付就是改变现行财政资金层层拨付的程序,由财政部门通过一套独立的帐户体系,即国库单一帐户体系,包括财政部在人民银行开设的国库单一帐户、财政部在商业银行开设的零余额帐户和预算单位在商业银行开设的单位零余额帐户,,采用财政直接支付或授权支付方式,将财政资金直接支付到收款人area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 33 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 或用款单位帐户。实行财政国库集中支付后,财政资金从国库到收款人或用款单位,资金当天到帐,实现了零在途,提高了财政资金使用效率。2003年,财政部通过招标的方式,在国有独资或控股商业银行中确定了8家代理银行。当时招标时,未通知农发行参加,所以我行被排除在8家代理银行之外。就此问题,总行曾多次与财政部、人民银行进行过协商,争取国储粮油补贴资金仍旧通过农发行系统下拨,而财政部坚持要将国储粮油补贴资金纳入国库集中支付改革。最终协商结果是,采取了折中的,在农发行零余额账户系统尚未开发完成之前,先通过其他银行零余额账户下拨,待农发行零余额账户系统开发完成后,再转由农发行零余额帐户下拨。考虑到系统开发成本及当时的技术条件等因素,总行最终未开发零余额账户系统。所以,中央财政下拨各省军供站的军粮差价补贴款、国家储备粮油费用补贴,从2004年开始一直通过其他商业银行的零余额帐户下拨。今年,武警总部也被纳入国库集中支付改革单位,武警总部下拨的军粮差价补贴款,也将通过其他商业银行零余额帐户下拨。 ,四,国家储备粮油补贴资金的拨付程序 2001年6月,财政部下发《关于明确中央储备粮油利息补贴拨付途径问题的函》,财建[2001]372号,,规定利息补贴由财政部拨付给中粮储总公司,年终由财政部与总公司清算,中粮储总公司与农发行根据实际储存粮油数量和一年area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 34 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 期基准贷款利率据实结算利息,农发行不得再以任何名义向承储企业收取中央储备粮油贷款利息。费用补贴由财政部对总公司实行费用包干。 目前,国家储备粮油补贴资金的拨付程序为, 1、中粮储总公司提出申请。每季度初,由中粮储总公司根据上个季度末国家专项储备粮油和临时储备食油实际库存量、库存成本占用贷款以及补贴标准,计算出本季度应得利息费用补贴,向财政部经济建设司提出补贴申请。 2、财政部经建司审核拨付。财政部经济建设司收到中粮储总公司的补贴申请,审核无误后,签发拨补文件,下达预算指标。 3、中储粮总公司根据财政部拨款文件,办理下拨各直属库的拨补文件,并会签财政部。 4、财政部国库司根据会签后的中储粮总公司的下拨文件,办理支付手续,下达支付额度。利息由财政部国库司以直接支付方式拨付农发行总行,直属库费用由中储粮总公司以授权支付方式通过建行零余额账户直接下拨到直属库点,代储库费用由各分公司以授权支付方式通过建行零余额帐户直接下拨至代储库点。 5、总行下拨利息补贴。总行收到利息补贴资金后,由财务管理部按照国家专项储备粮油占用贷款余额,分别计算各省利息资金,然后将资金下拨至省分行。省以下农业发展area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 35 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 银行一般也采取同样的方式逐级下拨利息资金,基层行直接作收息处理。 七、粮棉财务挂账补贴资金管理 ,一,粮食财务挂账补贴资金管理 粮食财务挂账,是指粮食企业在经营过程中因执行国家粮食购销政策、经营管理不善等原因形成的、自身无法弥补的,没有形成有效资产的各项开支而占用的银行贷款。按照其产生的时间不同,又分为1991粮食年度末财务挂账、新增粮食财务挂账和98年6月1日后粮食财务挂帐。 1、1991粮食年度末财务挂账补贴资金管理 1991粮食年度末财务挂账是指粮食购销企业在1991年粮食年度即1992年3月31日以前形成的亏损占用银行贷款,简称老粮食挂账。目前,老粮食政策性财务挂帐尚未消化的余额14亿元,主要集中在吉林省,其挂账本金及所欠利息继续由地方政府消化。 2、新增粮食财务挂账补贴资金管理 新增粮食财务挂账和其他不合理占用贷款是指1992年4月1日至1998年5月31日期间形成的亏损占用银行贷款。 除京、津、沪、粤四省,市,外,其他各省粮食新挂账贷款本金,不统一要求消化,实行本金挂账。第一个过渡期为1999,2003年。中央财政与地方政府按专户实际余额和同期粮食收购贷款一年期利率计算利息,据实补贴。 area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 36 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 2003年底,五年过渡期结束,根据《国务院关于进一步深化粮食流通体制改革的意见》,国发[2004]17号,精神及《国有粮食购销企业粮食财务挂帐处理意见》,财建[2004]187号,,对财力确有困难的省,区、市,,再给5年过渡期,2004年至2008年,,5年内,新增粮食财务挂帐纳入中央财政和地方财政共同贴息的部分,利息由中央财政和地方财政各负担一半。过渡期内,有能力消化部分新增粮食财务挂帐本金的,可以由省级人民政府与财政部签定责任书,明确消化计划。对省级人民政府承诺消化本金的挂帐,在5年过渡期内,中央财政从地方开始消化本金的年度起,全额负担利息。 3、98年6月1日后粮食财务挂帐。 指98年6月1日至粮食市场化改革之前形成,经省级人民政府组织清理认定的粮食财务挂帐。目前大多数省已经清理认定完毕,正在进行剥离。具体分为三类, ,1,陈化粮价差亏损挂帐。该挂帐利息从粮食风险基金中列支。挂帐本金消化资金来源,一是从粮食风险基金中安排,二是粮食风险基金不够的,由地方和中央财政按粮食风险基金筹资比例,另行筹资弥补。全国已有重庆等省,市,政府开始消化陈化粮价差亏损挂帐,中央财政每年都另外追加补助资金帮助消化。 ,2,销售保护价粮食价差亏损挂帐。该挂帐利息从粮area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 37 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 食风险基金中列支。挂账本金由各省政府统筹资金限期消化。 ,3,其他亏损挂帐。1998年6月1日到放开粮食收购价格和市场、实行市场化改革之前,国有粮食购销企业新发生的剔除陈化粮、保护价粮后的亏损挂帐,其利息从粮食风险基金中列支,挂账本金由各省政府统筹资金限期消化。 ,二,棉花财务挂账补贴资金管理 根据棉花新挂账产生的原因不同分为,中央政策性亏损挂账,地方政策性挂账。 1、中央新增棉花挂账消化处理的政策规定。 1993年以来新增的中央政策性财务挂账,从1999年9月1日起由中央财政停息挂账5年,中央政策性棉花财务挂帐由中央财政负担利息,截止2001年底的挂账利息计入本金。从2002年1月1日起,按计入上述利息后的挂账金额停息,至2004年8月31日期间的停息损失,中央财政原则上按季拨付给有关银行总行,由其层层转拨到系统内企业的开户银行。挂账本金5年后再视情况消化。 2004年8月31日中央新增棉花挂帐过渡期结束后,中央消化处理政策一直不明确,所以利息补贴也一直未拨付。2005年底,国务院同意国家发改委等7部委的意见,即中央新增棉花挂帐继续由中央财政负责还本付息,根据中央财力情况分年消化本金,对未消化的挂帐本金继续实行中央财area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 38 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 政贴息。目前,财政部正在对个别省的挂帐数字进行核实,挂帐欠息今年有望拨补我行。 2、地方新增棉花挂账消化处理的政策规定。 1993年以来新增的地方政策性财务挂账,从1999年9月1日起,由地方财政按挂账本金和1年期流动资金贷款基准利率贴息挂账5年,由各地有关部门参照中央政策性停息办法制定具体处理措施,5年过渡期满后,其消化处理原则上比照中央政策性挂帐处理办法,由地方政府结合自身实际情况逐年消化。 八、其他财政补贴资金管理 ,一,调控粮食利费补贴 调控粮食业务是指在国家粮食储备业务以外,企业从事政府委托的粮食政策性购销业务。2004年粮食市场化改革后,农发行为了贯彻落实国家粮食购销政策,加强粮食市场宏观调控,出台了《粮食调控贷款管理暂行办法》,2005年又对该办法进行了修改完善。当时,我行调控粮食贷款主要包括早籼稻、中晚稻最低价收购贷款和进口小麦贷款。2006年,国家发展改革委、财政部、国家粮食局等部委又制定了小麦最低收购价执行预案,执行预案主体为6个小麦主产省中储粮总公司及其有关分公司,6个小麦主产省地方储备粮公司以及7个主销区地方储备粮公司。我行调控贷款又增加了小麦最低收购价贷款。 area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 39 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 中储粮总公司及其有关分公司委托收储库点执行最低收购价所收购的粮食,其存储保管费用和贷款利息比照中央储备粮食的有关标准执行。即保管费用补贴标准为每年每斤4分,其中3.5分为委托收储库点的保管费用,0.5分为监管、质检和跨县集并等费用。贷款利息根据入库结算价与同期银行贷款利率计算。中央财政根据中储粮总公司上报的最低收购价粮食利息费用补贴的申请报告,按季将利息和保管费用拨付给中储粮总公司,中储粮总公司及有关分公司再拨付到委托收储库点。 进口小麦临时存储费用按照每年每斤4分,利息补贴按照到岸价加每斤1角入库费用与当期贷款利率计算。对费用补贴款,由中储粮总公司直接拨付到承储企业,利息全额转拨给中粮公司,由中粮公司归还农发行贷款利息。 地方储备粮公司按最低收购价收购的粮食,其保管费用和利息按照地方储备粮管理的有关规定执行。 目前,调控粮食利费补贴管理存在的主要问题是,财政拨补数与银行实际计息存在差额,据有的行反映,财政拨补数只占到银行计息数的80%左右。形成差额的主要原因是,中央财政按照粮食实际库存值所对应的贷款计算利息补贴,若贷款未形成对应库存值,财政则不给予利息补贴。这就要求我行在贷款发放和收回环节要严格掌握,尽量压缩收储企业货币资金占用,尽可能使贷款与库存值相符。从而使调控area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 40 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 贷款有足够的补贴资金收息来源。 ,二,退耕还林还草补贴资金 退耕还林还草补贴是指国家财政对退耕还林还草农户的粮食补助资金。退耕还林工程开始于1999年。根据国家有关政策规定,每亩退耕地每年补助粮食标准,长江上游地区300斤,黄河上中游地区200斤;粮食补助年限,按经济林补助5年,生态林补助8年计算,到期后根据农民实际收入情况,需要补助多少年再继续补助多少年,国家计划内退耕还林还草补贴的粮食,按每斤原粮0.7元计算,由中央财政负担,对省级政府包干。 退耕还林还草粮食补助政策自出台以来,经过了多次调整变化, 首先是实物补助阶段,从1999年退耕还林工程开始实施至2002年,粮食企业向退耕农户供应粮食,其货款直接从粮食补助资金专户抵扣,农发行相应核销供粮企业的贷款。 其次是挂帐阶段。2003年中央财政对退耕还林补助资金实行了挂帐政策,挂帐政策实际上只实行了一年,2004年底前挂帐已经全部消化。 第三是现金补助阶段。从2004年开始,随着粮食供求关系的变化,国务院决定原则上对退耕户实行现金补助。该政策一直执行至今,预计今后几年继续对退耕农户实行现金area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 41 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 补助的政策不会改变。 应把握的重点, 一是做好专户管理工作。退耕还林补助资金通过财政部门在农发行开设的“国储粮油及退耕还林补贴存款”专户逐级下拨。资金拨出专户时,各行要严格按照专户管理的有关程序办理。 二是及时拨付。按照财政部等部委的文件要求,对以前年度已退耕且验收合格的面积,中央财政在每年4月底之前将资金一次性拨付,地方财政部门必须在5月底之前一次性将补助兑付给农户,对当年新增退耕还林面积的补助,中央财政分上下半年两次拨付。但是,在实际执行当中,由于林业部门在申报当年补助计划时的审核工作量大,财政部下拨退耕还林补助资金,一般要到8月份。 ,三,军粮差价补贴资金 军粮差价补贴是指为保证部队军需用粮,财政部门对军粮筹措成本高于国家统一规定的军供价的差价部分给予的补贴。 按照财政部、国家粮食储备局、总后勤部、武警总部、农业发展银行联合制定的《军粮差价补贴款专户管理办法》规定,从1997年初开始,军粮差价补贴款通过在农业发展银行总行营业部开设“军粮差价补贴”专户逐级下拨。承担军粮供应管理任务的各级粮食主管部门应在同级农业发展银area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 42 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 行开设“军粮差价补贴”存款专户,军队和武警团,旅,级以上单位后勤军需部门也要按业务系统分别在驻地农业发展银行开设“军粮差价补贴”专户。 随着国库集中支付改革,军粮差价补贴的下拨渠道发生变化。首先,从2004年开始,由于国家粮食局被纳入国库集中支付改革单位,通过国家粮食局下拨的军粮差价补贴资金,不再拨到总行营业部开设的“军粮差价补贴”专户,而是通过国家粮食局在其他商业银行开设的零余额帐户,下拨到各省粮食局在农发行的“军粮差价补贴”专户。最近,武警单位也正在推行国库集中支付改革,其模式与通过粮食局系统拨付军粮差价补贴的渠道相同,即武警总部后勤部在其他商业银行开设零余额帐户,军粮差价补贴款不再通过总行营业部的专户下拨,而是通过在其他银行的零余额帐户系统下拨。经总行与财政部协商,武警基层单位在农发行的专户仍旧保留。目前只有总后勤部仍通过原有渠道层层下拨。总的来看,实行集中支付改革后,减少了资金下拨环节,但也缩短了补贴资金在我行的停留时间。 农发行要按照《军粮差价补贴款专户管理办法》的有关规定,对军粮差价补贴款履行专户管理职责,加强柜台监督。同时,要切实搞好服务工作,提高服务质量,尽量为开户单位提供结算方便。 ,四,柴油、化肥等农业生产资料增支补贴 area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 43 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 2006年,由于成品油及化肥、农药、农膜等农业生产资料价格涨价,国家在原有粮食风险基金中安排的粮食直补资金基础上,新增加补贴资金,对2006年柴油、化肥等农业生产资料预计增支实行综合直补。该项新增补贴资金由中央财政预算安排,纳入粮食风险基金专户管理。 中央财政对各省新增补贴资金,由农民种粮柴油补贴和化肥等其他农业生产资料补贴构成。柴油补贴资金根据各省补贴用油量和2006年国内成品油全年平均价格预计变化的幅度确定,补贴用油量以农业部提供的2004年分省数据为基础。化肥等其他农业生产资料补贴资金,根据《中国统计年鉴》等有关统计资料列示的种粮农民农业生产资料费用支出、粮食播种面积和粮食商品量等因素综合核定。 柴油、化肥等农业生产资料增支补贴的发放渠道与直补农民资金基本相同。对已实行粮食直补的省份,要求充分利用现有直补渠道,原则上以现行直补面积为基础,核定对农户的补贴标准。该项补贴资金原则上要求在上半年之前兑付完毕。 ,五,其他国家储备补贴资金管理 国家为了增强粮棉油以外的其他主要农副产品宏观调控能力,保护农民收入,对于其他一些关系重大的商品,如食糖、猪肉、羊毛、化肥等也建立了国家专项储备制度。这些area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 44 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 国家专项储备食糖、猪肉、羊毛、化肥等采取本金由农业发展银行贷款、利息费用由财政补贴的办法。另外,部分地方政府还根据本地实际与需要,制定了一些地方补贴政策,如供应贫困地区农村返销粮差价补贴、水库移民口粮补贴、救灾粮补贴等,由于各地情况不一,政策各异,补贴标准也不尽相同。在此不作详细介绍。 第五部分 存款管理 一、单位存款管理 单位存款是指中国农业发展银行(以下简称农发行)经营范围内所涉及的企业、事业、机关、部队和社会团体等单位(以下简称存款单位)在农发行办理的人民币存款。金融机构在农发行的同业存款不纳入单位存款管理。农发行单位存款按品种主要有,单位活期存款、单位定期存款、单位通知存款、单位协定存款、协议存款、其他存款等 ,一,单位活期存款 是指存款单位随时可支取,按结息期计算利息的存款。活期存款按同期人民银行挂牌公告的活期存款利率计息,按季结息,计息期间遇利率调整分段计息。 ,二,单位定期存款 是指存款单位在存入款项时约定存期,到期支取本息的存款。定期存款按期限分为3个月、6个月、1年、2年、3年area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 45 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 和5年6个档次。起存金额1万元,多存不限。 存款单位办理定期存款业务须开立银行结算账户,并提交定期存款开户申请书。开户行收妥款项后,为存款单位开立定期存款账户,并开具“单位定期存款开户证实书”(以下简称证实书)。证实书仅对存款单位开户证实,不得作为质押的权利凭证。 办理单位定期存单质押贷款而需开具单位定期存单的,应由存款单位委托贷款行向存款开户行申请开立单位定期存单,存款开户行收到贷款行提交的证实书和开具单位定期存单委托书后经审查确认存款属实的,应保留证实书,并向贷款行开具单位定期存单和单位定期存单确认书。 存款单位支取定期存款须以转账方式将存款转入其银行结算账户,不得将定期存款用于结算或从定期存款账户中提取现金。支取定期存款时,须出具证实书,提供预留印鉴。开户行审核无误后为其办理支取手续,同时收回证实书。 定期存款在存期内按存款存入日挂牌公告的同档次定期存款利率计付利息,遇利率调整,不分段计息。 定期存款可以全部或部分提前支取,但只能提前支取一次。全部提前支取的,按活期存款利率和计结息方式计付利息。部分提前支取的,提前支取的部分按活期存款利率和计结息方式计付利息。留存部分如不低于起存金额由开户行按原存期开具新的证实书,按原存款开户日挂牌公告的同档area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 46 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 次定期存款利率计息,并收回原证实书,留存部分低于起存金额,则予以销户。 定期存款到期不取,逾期部分按活期存款利率和计结息方式计付利息。 到期续存定期存款,可简化开户手续,支取时直接存入,无需通过其银行结算账户,利息可一并存入。 ,三,单位通知存款 是指存款单位在存入款项时不约定存期,支取时需提前通知开户行,约定取款日期和金额方能支取的存款。 通知存款不论实际存期多长,按存款单位提前通知的期限长短划分为一天通知存款和七天通知存款。一天通知存款须提前1天通知开户行约定支取存款,七天通知存款须提前7天通知开户行约定支取存款。 通知存款的起存金额为50万元,需一次性存入,可以一次或分次支取,最低支取金额为10万元。存款单位办理通知存款业务须开立银行结算账户,并提交通知存款开户申请书。 开户行收妥款项后,为存款单位开立通知存款账户,开具“单位定期存款开户证实书”,并注明“一天通知存款”或“七天通知存款”字样,不需注明存款的利率和期限。 存款单位支取通知存款须提前通知开户行,并提交通知存款取款通知书,约定取款日期和金额。存款单位支取通知area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 47 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 存款须以转账方式将存款转入其银行结算账户,不得将通知存款用于结算或从通知存款账户中提取现金。支取通知存款时,须出具证实书,提供预留印鉴,开户行审核无误后为其办理支取手续。 存款单位一次全部支取通知存款时,由开户行收回证实书,办理销户手续。存款单位部分支取通知存款时,留存部分如不低于起存金额,由开户行为其换开新的证实书,从原开户日起计算存期,并收回原证实书。留存部分低于起存金额的予以销户,按活期存款利率和计息方式计息。 通知存款按支取日人民银行挂牌公告的同档次通知存款利率和实际存期计息,利随本清。 通知存款如遇下述情况,按活期存款利率计息, 1、实际存期不足通知期限的,按活期存款利率计息, 2、未提前通知而支取的,支取部分按活期存款利率计息, 3、已办理通知手续而提前支取或逾期支取的,支取部分按活期存款利率计息, 4、支取金额不足或超过约定金额的,不足或超过部分按活期存款利率计息, 5、支取金额不足最低支取金额的,按活期存款利率计息。 已办理通知手续而不支取或在通知期限内取消通知的,area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 48 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 通知期限内不计息。 ,四,单位协定存款 是指存款单位与开户行约定在基本存款账户或一般存款账户(以下简称结算户)之上开立协定存款账户(以下简称协定户),并约定结算户的基本存款额度,由开户行将超出基本存款额度的存款转入协定户,并按协定存款利率计息的存款。 存款单位办理协定存款业务须签订协定存款(以下简称合同),结算户的基本存款额度由存款单位与开户行自行约定,但不得低于50万元。 合同生效后,由开户行为存款单位开立协定户。每日营业终了前,开户行根据合同约定的基本存款额度为存款单位办理转账,转账金额须以万元为单位。结算户余额高于基本存款额度,由开户行将结算户中超出基本存款额度的部分转入协定户。结算户余额低于基本存款额度,由开户行用协定户中的存款补足结算户基本存款额度。如协定户中的存款不足以补足结算户基本存款额度,协定户余额直至为零,协定户在合同有效期内仍可继续使用。 协定户作为结算户的后备账户,不得在协定户上办理结算业务或从协定户中提取现金。存款单位办理支付业务时,如结算户余额不足,由开户行将协定户中相应款项转入结算户后,办理支付业务。如协定户中的存款全部转入结算户后area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 49 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 仍不足,不予办理。 结算户中的存款按活期存款利率和计结息方式计付利息,协定户中的存款按结息日或销户日挂牌公告的协定存款利率计息,按季结息。 合同期满时,如不延期,存款单位须于合同到期日10天前向开户行提交协定存款销户通知书。合同到期日,开户行将存款单位协定户的存款本息结清后全部转入其结算户。 合同有效期内,存款单位原则上不得要求办理销户手续。如遇特殊情况,存款单位须向开户行提交协定存款提前销户申请书。开户行审核批准后,为存款单位办理销户手续。存款单位如结清结算户,须同时结清协定户。 合同的有效期为1年。合同期满,如双方均未提出终止或修改合同,视为合同自动延期,延长期限为1年,只能延期1次。 ,五,协议存款 协议存款是指经中国人民银行、中国银行业监督管理委员会批准的存款单位与农发行约定存款期限和利率的存款。目前,此项业务暂时只由总行办理。 协议存款包括邮政储蓄协议存款和经中国人民银行、中国银行业监督管理委员会批准的其他协议存款。邮政储蓄协议存款期限为三年期以上(不含三年),起存金额3000万元,其他协议存款的存期和起存金额执行中国人民银行有关规area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 50 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 定。协议存款的利率、计结息和付息方式由存款单位与农发行协商确定。 存款单位办理协议存款业务须签订“协议存款合同”,对存款金额、期限、利率、计结息和付息方式及违约处罚标准等条款做出明确规定。 二、专项存款管理 专项存款是指按有关政策规定,由农发行代理拨付的各类财政资金存款,主要包括财政补贴资金存款、特种存款以及其他财政款项等。 三、同业存款管理 同业存款是指金融机构为提高资金收益水平,将非结算用途资金存入我行而形成的存款。 ,一,同业存款业务对象 同业存款业务的对象为中资商业银行、城市信用社、农村合作金融机构和国家邮政局邮政储汇局。 ,二,同业存款品种 同业存款品种暂设置为定期存款,期限分为3个月、6个月、9个月、1年、2年、3年和5年共7个档次。 ,三,同业存款利率规定 总行根据银行间资金市场利率走势,结合全行资金头寸余缺预测,按旬确定并颁布同业存款利率上限,并于每旬前一日以内部邮件形式通知各省级分行。各级行在总行规定期area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 51 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 限档次的利率上限范围内,本着既能保证我行组织存款的竞争力,又能降低筹资成本的原则,自主与金融同业协商确定执行利率。未经总行授权,不得超过相应利率上限。 ,四,同业存款的计结息方式 同业存款按日计息,计息期间遇人民银行利率调整,不分段计息。结息可以采取以下两种方式: 一是合同约定存款到期前不得提前支取的,可按季结息,结息后,对未支取的利息,按单位活期存款利率和结息方式计结息,遇人民银行利率调整分段计息。 二是合同未约定的,按季计提利息,到期一次利随本清,不计复利,提前支取的,对提前支取部分按提前支取日单位活期存款计息方式计息到支取日前一日止,到期不取,逾期部分按单位活期存款利率和计结息方式计结息,遇人民银行利率调整分段计息。 同业存款的单笔金额不得低于300万元。 按照银监会的规定,国家邮政局邮政储汇局省级(含)以下机构不得开办同业存款业务,因此,我行与国家邮政局邮政储汇局开展同业存款业务,省级分行与邮储省级机构达成初步意向后要上报总行,由资金计划部同意后,与邮储总局签订《同业存款合同》。 第六部分 中间业务管理 area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 52 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 一、中间业务的概念 根据中国人民银行2001年7月4日颁布的《商业银行中间业务暂行规定》,中间业务是指不构成商业银行表内资产、表内负债,形成银行非利息收入的业务。 二、开办中间业务的条件 ,一, 符合金融市场发展的客观需要 ,二, 不损害客户的经济利益, ,三, 有利于完善银行的服务功能,有利于提高银行的 盈利能力, ,四, 制定了相应的业务规章制度和#操作规程#, ,五, 具备合格的管理人员和业务人员, ,六, 具备适合开展业务的支持系统, ,七,监管部门要求的其他条件。 三、中间业务分类 按照监管机构的要求,根据银行开办中间业务的风险和复杂程度,分为实施审批制的中间业务和备案制的中间业务。 适用审批制的业务主要为形成或有资产、或有负债的中间业务,以及与证券、保险业务相关的部分中间业务,适用备案制的业务主要为不形成或有资产、或有负债的中间业务。 或有资产,是指因过去的事项而形成的潜在资产,其存area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 53 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 在仅通过不完全由企业控制的个或数个不确定未来事项的发生或不发生予以证实。 或有负债,是指因过去事项而产生的潜在义务,其存在仅通过不完全由企业控制的个或数个不确定未来事项的发生或不发生予以证实。 适用审批制的中间业务品种包括, ,一,票据承兑, ,二,开出信用证, ,三,担保类业务,包括备用信用证业务, ,四,贷款承诺, ,五,金融衍生业务, ,六,各类投资基金托管, ,七,各类基金的注册登记、认购、申购和赎回业务, ,八,代理证券业务, ,九,代理保险业务, ,十,监管机构确定的适用审批制的其他业务品种。 适用备案制的中间业务品种包括, ,一,各类汇兑业务, ,二,出口托收及进口代收, ,三,代理发行、承销、兑付政府债券, ,四,代收代付业务,包括代发工资、代理社会保障基金发放、代理各项公用事业收费,如代收水电费,, area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 54 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, ,五,委托贷款业务, ,六,代理政策性银行、外国政府和国际金融机构贷款业务, ,七,代理资金清算, ,八,代理其他银行银行卡的收单业务,包括代理外卡业务, ,九,各类代理销售业务,包括代售旅行支票业务, ,十,各类见证业务,包括存款证明业务 ,十一,信息咨询业务,主要包括资信调查、企业信用等级评估、资产评估业务、金融信息咨询, ,十二,企业、个人财务顾问业务, ,十三,企业投融资顾问业务,包括融资顾问、国际银团贷款安排, ,十四,保管箱业务, ,十五,中国人民银行确定的适用备案制的其他业务品种。 四、农发行中间业务品种简介 目前,农发行的开办的中间业务主要有,票据业务、代收代付业务、代理商业银行存款业务、代理保险业务、同业合作等。 ,一,代收代付业务。是指农发行各营业网点接受开户企业委托,按照双方签订的委托协议,办理各类款项的代收area public networks,-tem, and plant wide area network connections, including widerk system. Wide area network access system should be applied according to the specific requirements of local area network sysnetwo etwork ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local areaAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET nHOMEP 55 HOMEPAGE. Opening of the company's extranet, every employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, support shared communications and virtual network technology, to form a local area network system. Wide area network access system should be applied according to the specific requirements of local area network system, and plant wide area network connections, including wide-area public networks, 或代付事宜的业务。 ,二,代理商业银行存款业务。是农发行接受商业银行委托,为其客户办理存款和结算,并收取代理手续费的业务。 ,三,代理保险业务。是指农发行接受保险人委托,在保险人授权范围内代为办理保险业务,并向保险人收取代理手续费的业务。 ,四,同业合作。是指农发行与其他政策性银行、国有商业银行、股份制商业银行在负债业务、资产业务、支付系统业务、结算业务、信用建设、客户信息共享等方面开展的合作。 ,五,国内保函业务。是指农发行根据申请人的申请,以出具保函的形式向保函收益人保证,当申请人未按有关合同偿付债务或履行义务时,由农发行按照约定履行保函所规定的义务。国内保函业务适用于申请人、收益人均为中国境内客户的人民币保函业务。农发行开办的保函业务主要分为两大类,一是非融资类保函。主要包括投标保函、承包保函、工程维修保函、质量保函、预付款保函、履约保函、付款保函、租赁保函。二是融资类保函。主要是指借款保函。 area public networks,-s, including wideshould be applied according to the specific requirements of local area network system, and plant wide area network connectionystem support shared communications and virtual network technology, to form a local area network system. Wide area network access sry employee in the company's various point access to information on the INTERNET network ... Nodes can be extended to 1000M, HOMEPAGE. Opening of the company's extranet, eve 56