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扎实的信贷基础管理是信贷业务持续健康发展的可靠保证。当前,农发行信贷业务快速发展,内外部配套改革进入实质性阶段,在新的起点上,有必要重新审视办贷管贷机制,打造适应现代农业政策性银行的信贷基础管理长效机制。一、长效机制建设的基本要求建立信贷基础管理长效机制是一个长期的、动态的形成过程,必须具备有相应的制度、组织、系统和思想基础(一)规范、稳定、配套的制度体系。制度是长效机制的基础,是办贷之源,管贷之本。要形成信贷基础管理的长效机制,要求
A solid credit-based management is a credible guarantee for the sustained and healthy development of credit business. At present, the credit business of ADBC has been developing rapidly, and the internal and external supporting reforms have entered a substantive stage. From a new starting point, it is necessary to reexamine the mechanism of credit loan and loan management and create a long-term mechanism of credit basic management that adapts to modern agricultural policy banks. I. Basic Requirements for Establishing a Long-term Mechanism The establishment of a long-term mechanism for the management of a credit-based foundation is a long-term and dynamic process of formation. It must have appropriate institutional, organizational, systematic and ideological foundations. (I) Standardized, stable and supporting institutional system . The system is the foundation of a long-term mechanism and the source of loans and the principle of managing loans. To form a long-term mechanism for credit infrastructure management, requirements