国务院关于深化棉花流通体制改革的决定指出,棉花收购渠道放开后,供销社棉花企业的收购资金继续由农发行供应,实行“库贷挂钩、封闭运行、及时还欠”。由农发行供应收购资金的供销杜棉花企业只允许在农发行开立基本帐户,不得在其他银行多头开户,任何单位和个人不得以任何形式挤占挪用棉花收购资金。根据这一精神,结合浙江实际,本文就农发行如何适应棉花流通体制改革,改进贷款对象管理,促进收购资金封闭运行作一探讨。浙江省是用棉大省,产棉小省,虽有棉花种植但量小分散。全省各级特产公司自50年代以来就一直受政府委托从事棉花购销业务,多数特产公司成为棉花收储业务与附营业务的混合体,更有的以附营为主,兼营棉花收储业务。目前的突出问题是:如按规定只在农发行一家开户,附营业务资金无来源,不仅企业难以为继,而且在棉花不能顺价销售情况下,农发行收息也困难;如允许企业既在农发行开户,又在商业银行开户,棉花收购资金封闭运行难以实现。由此提出改进棉花贷款对象管理的对策措施 The decision of the State Council on deepening the reform of the cotton circulation system pointed out that after the acquisition of cotton was released, the acquisition funds of the cotton enterprises of the supply and marketing cooperatives continued to be supplied by the Agricultural Development Bank, implementing the principle of “linking peasants to peasants and lending loans, closing operations and repaying them in time”. The supply and marketing of cotton supply by the ADB only allows the opening of a basic account with the Agricultural Development Bank, no opening of accounts at other banks and no unauthorized occupation of cotton by any unit or individual. According to this spirit, combined with the actual situation in Zhejiang, this paper on how the Agricultural Development Bank to adapt to the reform of the cotton circulation system, improve the management of loan objects, and promote the acquisition of funds closed for a discussion. Zhejiang Province is a large province with cotton, a small cotton-producing provinces, although the cotton plantation, but a small amount of scattered. Since the 1950s, the specialty companies at all levels in the province have been entrusted by the government to engage in the cotton buying and selling business. Most of the specialty companies have become a mixture of cotton storage and storage businesses and ancillary businesses. Some of them are mainly attached enterprises, business. At present, the outstanding problems are as follows: If only an account is opened with the Agricultural Development Bank as required, there will be no source of funds attached to business operations. This will not only make it difficult for the enterprises to sustain their business but also make it difficult for them to pay interest when cotton can not be sold at favorable prices. Agricultural Development Bank account, but also in the commercial bank accounts closed, cotton acquisition funds closed operation is difficult to achieve. The countermeasures to improve the management of cotton loans are put forward