农发行在商业性信贷管理机制方面进行了有效探索并取得了显著成果,然而其发展过程中所产生的问题也日益明显。笔者认为只有从完善机制入手才能有效解决问题,实现商业性信贷业务的长远发展。一、面临的问题(一)抓大放小的信贷战略难以惠及中小企业。部分信贷行为为追求效益、规避风 The Agricultural Development Bank has made effective explorations in the commercial credit management mechanism and achieved remarkable results. However, the problems arising from its development have become increasingly apparent. The author believes that only by starting from the perfect mechanism can we effectively solve the problem and realize the long-term development of commercial credit business. First, the problems faced (a) grasping the strategy of letting go credit is difficult to benefit small and medium enterprises. Part of the credit behavior for the pursuit of efficiency, to avoid the wind