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第10章 金融江湖(2 / 2)

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“他们开户的目的是为了与外面企业进行汇兑的方便,是不能贷款的。例如我们这样的国家银行,上面明确规定不向个体经济放款,对乡镇和集体企业也是选择性放款,而且不能超过总贷款额百分之一的比例。你觉得这合适吗?”

这种事,我也有接触,那就是它们普遍存在的规模弄不大的问题。

银行外面的下沟街道上,就是於陵区最大的个体市场,蔬菜服装鞋帽等等,都常年租用一个个铁皮屋进行经营,他们也大多到我们这存款,但是贷款很难。

唯一的渠道,就是存单抵押贷款,即存款到一定数额,当急用钱的时候,用不到期的定期存单做抵押才可以贷款。

这个做法,很显然是不方便或者是对不起存款客户的————银行付出低息用人家的钱高息放贷取得利差的盈利,但是却不给人家存款户急用资金时候的便利,于理于情都说不通。

“的确很不合适,不利于企业发展,也不利于银行的发展,而且我们银行的做法也有点说不出来的感觉。”

但是,正如孙行长所说,这就是真真切切的事实,也是我在基层工作的所见所闻。

“的确不合理,这一点是真的。所以,储蓄部门就出现银行工作人员与存款客户协商为缺钱客户贷款,会计部门就出现故意入错账给集体经济客户应急变相放款的情况。这就导致有人犯错误的现象。”

孙行长笑了 ,点了点头:

“前几年那几个开除的那三个包括主任在内的储蓄所人员,就是挪用储户资金放款出去,储户又提前取款暴露的。

”难得你能观察到这个现象,而且敢当面告诉我。其实,储蓄所主任与会计科长都知道这些事,只是, 他们也是默许的,一旦有事出现,他们马上就把责任推给具体经办人员,见怪不怪,我也只能是睁一只眼闭一只眼的,不出事一切都好,出事的只能算倒霉吧。”

是啊,会计科在每个月月底银企对账的时候,总是出现这样那样莫名其妙的一些错账,而且只是集中在那几个企业那里,这就是我在会计科工作时候的疑惑,报告肖科长的时候,他也是颜色怪异,就是一句话:

“对账就是找错,你赶紧连积数一起调回来就行了,谁也不是神仙,也没有不出错的时候。”

道理很对,如果记账员与复核员入账同时出错,就有些不可思议,在“铁账铁款铁算盘”三铁的银行,出现这样明显的漏洞就很值得深思了。

“所以,在这些中小企业资金需求上如果处理好了,对银行是一笔巨大的业务收入,对中小企业发展是一个推动,现在恰恰是我们银行一个重大的忽略。”

对,中小企业,这是当前的金融业一个巨大的空白点。

孙行长的话非常有道理,也是金融业值得努力与挖掘的方向。

喜欢股市金逍遥请大家收藏:股市金逍遥本站更新速度全网最快。

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