实现“两轮驱动”业务战略转型要求信贷业务发展方式的转变和业务结构的调整,这就意味着要优化客户融资结构,以客户为中心办理信贷业务,并从整体上把握客户的融资状况、风险防控、产品设计。2011年农发行河南省分行结合实际,在总行现行信贷制度框架内,探索性地提出了综合授信管理的理念,对以客户为中心的办贷模式进行了有益 To achieve “two-wheel drive ” strategic transformation of business requires the development of credit business transformation and business structure adjustment, which means to optimize the structure of customer financing, customer-focused credit business, and overall grasp of customer financing Status, risk prevention and control, product design. In 2011, the Agricultural Development Bank of China branch in Henan Province, in line with the actual situation, put forward the concept of integrated credit management in the framework of the current credit system of the head office, and made a benefit to the customer-oriented loan-taking mode