今年上半年,省分行党委提出了“拓展业务领域、提升经营层次、提高经营效益、加快业务发展”的经营指导思想,为各级农行拓展业务市场,开展信贷营销指明了方向;欠发达地区农行更是以此为原则,极力加快信贷业务发展,不断增强在信贷市场上的竞争能力。但从农行黄冈市分行信贷业务经营的具体操作情况看,存在着急待上级行解决的问题和困难;也正因为有这些问题和困难的存在,极大地制约了信贷业务经营和发展。我们结合农行黄冈市分行的工作实际,就当前信贷业务经营存在的问题和困难,提出了一些相关解决建议,供领导决策参考。一、关于信贷业务转授权问题在一级法人体制下实行授权管理是一种必要手段,但当 In the first half of this year, the provincial party committee put forward the business guiding ideology of “expanding business areas, upgrading management levels, improving business efficiency and accelerating business development”, pointing out the direction for ABC to expand business markets and carry out credit marketing at all levels; and the underdeveloped Based on this principle, the Agricultural Bank of China also tried its best to accelerate the development of credit business and continuously enhance its competitiveness in the credit market. However, according to the specific operation of the credit business operation of Huanggang Branch of ABC, there are problems and difficulties that need to be resolved urgently at the superior level. It is precisely because of these problems and difficulties that it has greatly restricted the operation and development of credit business. Based on the actual work of the branch of Huanggang Branch of ABC, we put forward some suggestions on how to solve the problems and difficulties in the current credit business operation for reference of leaders and decision-makers. First, on the issue of the right to authorize the credit business Authorized management under the first-class legal person system is a necessary means, but when