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改革完善信贷管理体制,要实现分层级承担风险责任和补偿风险损失,正确处理决策权、执行权和监督权的关系。一、农发行现行信贷管理体制的特点农发行现行的信贷管理体制采取“集中决策,分散经营”的事权管理模式,具有几个特点:(一)经营管理的架构层级划分不明确。各级行是按照“谁审批、谁调查”的管理模式。总行、省级分行既要监督各级分行的贷款运转流程、标准和效果,又要掌握各级行的贷款投放预算和项目经营效果。(二)省级分行、二级分行不能独立行
To reform and perfect the credit management system, it is necessary to assume the risk responsibility at different levels and compensate for the loss of risk, and properly handle the relationship between decision-making power, executive power and supervisory power. First, the characteristics of the current credit management system of the Agricultural Development Bank ADB’s current credit management system to take “centralized decision-making, decentralized management,” the power management model has several features: (A) management structure of the hierarchy is not clear. All levels of the line is in accordance with “Who approved, who survey ” management model. The head office and provincial branches not only need to supervise the operation flow, standards and effects of loans at all levels of branches, but also have a grasp of the loan budget and project management effects at all levels. (B) provincial branches, two branches can not be independent