桑榆虽晚 为霞满天——一位老信贷员的心声

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要问我世间什么行当最熟悉,我将愉快地告诉您,银行信贷工作伴我行,自然,我最熟悉并且热爱银行信贷工作喽!殊不知,在我年近六旬,即将退休时,却被划转到农发行,担任农发行运城市支行信贷科长。就是在这个时候,老革命遇到了新的课题:政策性金融业务,特别是粮食收购资金封闭运行这项业务,看似单纯,实则繁杂;看似一副熟面孔,实则一切一切从头来。两年来,我像小学生一样,点点滴滴从头学起;又像领头雁一样,事事处处吃苦在先。1998年,我被评为省级优秀信贷员。运城市位于山西省的南部,运城地区是山西主要产粮产棉区,农发行的业务占到全省的五分之一,而运城市的业务量又占到全区的四分之一。全市有粮棉企业44个,分布于全市21个乡镇,距离最远的足有百十华里。其中,国家、省储备库和基层收购单位并存,管理相当复杂。对相对分散的所有企业加大监管力度,这是我们信贷科的职责。过去,搞信贷的几乎都是老手,而对于刚刚成立的农业发展银行,我们这个信贷科8人中 I would like to tell you the most familiar line in my world. I will be pleased to tell you that bank credit work with my bank. Naturally, I am most familiar with and love bank credit myself. As everyone knows, when I was nearly 60 years old and was going to retire, Transferred to the Agricultural Development Bank, served as agricultural credit branch city transport branch manager. It was at this time that the old revolution encountered a new issue: the policy-oriented financial business, especially the grain-purchasing operation, is a seemingly simple operation, but in reality it is complicated. Seemingly a familiar face can lead to everything from scratch. In the past two years, like a primary school student, I started to learn bit by bit. Like the leading goose, I worked hard everywhere. In 1998, I was named a provincial outstanding loan officer. Yuncheng is located in the southern part of Shanxi Province. Yuncheng is the main cotton-producing cotton producing area in Shanxi. The ADBC ​​accounts for one-fifth of the province’s business while Yuncheng City accounts for one-fourth of the total. The city has 44 grain and cotton enterprises, located in the city’s 21 townships, the farthest away from the hundred Huarui. Among them, the state, the provincial reserve pool and grass-roots acquisition units coexist, management is quite complex. It is the duty of our Credit Section to supervise all the relatively scattered enterprises. In the past, practicing credit was almost always a veteran, and for the newly formed Agricultural Development Bank, eight of our credit officers
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