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1、农村合作银行非生息资产管理办法yingwu32 | 提醒 短消息 | 个人中心 退出 论坛搜索帮助导航默认风格uchomeorangevioletgreyish-greengreen私人消息 (0)公共消息 (0)系统消息 (0)好友消息 (0)帖子消息 (0)中国农村金融论坛 【制度专栏】 转帖农村合作银行非生息资产管理办法农村合作银行非生息资产管理办法第一条 为了进一步完善资金营运管理的内控机制，加强非生息资产管理，提高资产有益率，特制订本办法。 第二条 本办法所称非生息资产，主要是指固定资产、不良资产等无法带来新增利润的资产，包括现金、贵金属、固定资产净值、在建工程、无形资产、递延资产、
2、应收利息、其他应收款、待处理财产损失、待清理资产、待清理信托资产和固定资产清理。 第三条 现金管理。库存现金作为我行的第一准备金，是我行资产的一部分。为满足农村的流动现金需要，各支行（分理处）要有一定的库存现金。但过多的库存现金，直接影响全行资产的收益。各支行（分理处）应合理把握社区内的现金流量需要，安排好现金库存量，尽量压缩现金库存。行本部对各支行（分理处）实行限额管理，具体标准见附件。 第三条 固定资产管理。要严格限制固定资产的购置，要以提高银行的业务创新能力和运作效率为目的，以配置先进的计算机、电子通讯设备为主，减少在房产上的投入；要盘活固定资产存量，通过系统内调剂、租赁、转让拍卖等手段
3、，将部分固定资产转变为生息资产，减少维修开支和折旧费用。第四条 应收未收利息管理。要加强应收未收利息的清收，提高贷款的收息率，直接增加银行的收益。第五条 投资、拆借资金管理。对无效投资、不良拆借资金、挂账案件损失和表外业务垫款等，应运用法律的、经济的手段积极追收，对确实回收无望的，该剥离的剥离、该核销的核销。减少非生息资产占用。第六条 无形资产、递延资产管理。 非生息资产率：该指标反映资产中无效资产所占用比例，比率越高，表明闲置资产越多，计算公式：（现金固定资产净值在建工程递延资产无形资产库存物资）/总资产*100。结束语！祝大家学到有用的知识，提升自己的能力，实现自己的梦想，踏踏实实干好每一
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