Source: China Paper Download Center [06-08-24 15:09:00] Author: Anonymous Editor: studa20 1989 is the first year that the State Council put forward the idea of managing the economic environment and rectifying the economic order. The head office put forward the general credit policy of "controlling the total amount, adjusting the structure, ensuring the key points, compressing the general and adjusting in time". Among them, restructuring is the foundation, protecting the market is the task, and promoting circulation is the goal. After a year of active efforts, the commercial credit structure has been effectively adjusted. At the same time, the market in our city has been stable and prosperous, with a total purchase value of 205.48 million yuan, sales of 24 1.78 million yuan and profits and taxes of 6.79 million yuan, which has achieved good economic benefits.
Adjust the two structures and revitalize the stock of funds
This year, the state implemented the policy of "double tightening" of finance and credit, aiming at reducing monetary input, promoting the adjustment and optimal allocation of the original production factors, thus achieving the purpose of controlling inflation and developing the economy steadily. The commercial department is responsible for withdrawing funds and prospering the market. How it works is of great significance for stabilizing the market and promoting economic development. We believe that only by revitalizing the capital stock, adjusting the two structures, improving the original capital efficiency and alleviating the contradiction between supply and demand can we support commercial enterprises, improve efficiency and keep the market.
(1) Adjusting the loan structure of enterprises of Class I, II and III.
At the beginning of this year, we made a plan of "increasing, leveling and decreasing" for each enterprise according to the classification queuing standard formulated by the superior bank, combined with the "ten-point classification queuing method" developed by 1988, and considering the support order put forward by the state and the head office, which made the focus of loan investment and pressure maintenance very clear and won the initiative for this year's adjustment work. By the end of the year, the proportion of loans for first-class enterprises reached 65.9%, up 4.7 percentage points from the beginning of the year, for second-class enterprises reached 26.7%, down 2.6 percentage points from the beginning of the year, and for third-class enterprises reached 7.4%, down 2. 1 percentage point from the beginning of the year. This shows that the loan structure is more optimized by transferring the loan stock.
(2) Adjusting the capital occupation structure of commercial enterprises.
For a long time, due to the low management level of commercial enterprises in our city, improper use of working capital, more funds have been deposited. There are three irrationalities in the stock of funds: first, there are too many problem commodities, and the occupation of commodity funds is unreasonable; Second, the occupation of settlement funds is high, and the internal structure of all liquidity is unreasonable; Third, its own funds are less, accounting for an unreasonable proportion of all working capital. In view of these three irrationalities, we have made great efforts to adjust the existing stock structure and revitalize funds from the stock, mainly in the following aspects:
1. Vigorously promote internal banks and ask the management for funds.
On the basis of doing a good job in the pilot project of 1988, this year we implemented internal banking in all state-owned businesses, improved the management mechanism of enterprise liquidity, reduced the leakage, leakage and leakage of liquidity, and significantly improved the efficiency of fund use. After the implementation of internal banking in Liaocheng department store, the amount of funds used decreased obviously, while the efficiency improved obviously. This year, the occupation of total working capital increased by 1.5% compared with last year, while the increase of purchase, sale and deposit and profit was above 30%, and the capital turnover was accelerated by 27%. According to statistics, since this year, commercial enterprises have saved about 4.5 million yuan by developing internal banks.
2. Focus on cleaning up the potential and tap funds from the potential.
In view of the problem of high capital occupation and great potential of commercial enterprises, this year we suggested that the municipal government hold three mobilization meetings to clear and tap the potential, set up leading groups to tap the potential at all levels, and formulated a series of reward and punishment policies, which set off a climax of tapping the potential again by everyone in the city, changed the "one-man show" of banks into a chorus of banks and enterprises, and effectively promoted the development of tapping the potential of commercial enterprises in the city. In the third quarter, we also organized a "trilogy of debt settlement", and sent 28 loan officers to help enterprises settle their debts at three levels: inside the city, outside the city and outside the district. The loan was 317,5810000 yuan, which was well received by enterprises.
3. Fully urge enterprises to replenish capital and squeeze consumption funds.
In order to solve the problem that commercial enterprises have little self-owned funds and poor ability to resist risks, we not only issue working capital loans and urge enterprises to use interest rate leverage to replenish capital, but also widely publicize and actively mobilize enterprises to learn to live a tight life and change consumption funds into operating funds. Under our impetus, all the 2.85 million yuan of funds prepared for consumption were used by seven enterprises to participate in the turnover. For example, the regional textile station delayed the construction of dormitory buildings, leaving 850,000 yuan of profits for enterprises, all of which were used to supplement working capital. This year, * * * urged commercial enterprises to make up 6.5438+0.58 million yuan, six times the annual plan.
As a result of the above work, the capital occupation structure of commercial enterprises in our city has been significantly improved. In the whole year, the backlog of various commodities was 5.95 million yuan, which increased the marketability of commodities from 85% last year to 9 1%, reduced the settlement funds by 6.88 million yuan, and kept the proportion of settlement funds in the total working capital below 32%. In the whole year, RMB 6,543,800+0,580 yuan was added, so that the proportion of self-owned funds in total working capital increased from 6.5% at the beginning of the year to 7.9%.
By adjusting the two structures, we can promote the capital stock to be invested in good enterprises, speed up the capital turnover and revitalize a large amount of funds, thus alleviating the contradiction between large capital demand on the one hand and serious unreasonable capital occupation on the other.