当前 ,基层商业银行在执行货币信贷政策过程中存在放款难的问题 ,这一问题的存在弱化了货币信贷政策的实现效果。一、基层商业银行放款难的原因1、高度集中的信贷管理体制剥夺了县 (市 )支行的信贷权 ,限制了基层行信贷投放的积极性。目前各国有商业银行普遍实行了集权式的信贷 At present, the grass-roots commercial banks in the implementation of monetary and credit policies in the process of the existence of the problem of lending is difficult, the existence of this issue weakens the monetary and credit policy to achieve the desired effect. First, the reasons for the difficulty of the loans of grassroots commercial banks 1, a highly concentrated credit management system deprived counties (cities) branch of the credit right, limiting the grass-roots bank credit initiative. At present, commercial banks in all countries have generally adopted centralized credit