在农业银行向商业银行转化的过程中,历史遗留下的信贷资产质量偏低、信贷资金使用效益逐年下降、非正常贷款的比重急剧上升等问题如得不到根本扭转,势必影响农业银行向商业银行的转变,也与商业银行的本质要求相悖,而且这些问题在全区农行系统普遍存在.对此笔者以银川市支行一季度信贷资金运行为例作一分析,以求得同行们的思考. In the process of the transformation from ABC to commercial banks, the quality of credit assets left over from history is low, the efficiency of using credit funds is declining year by year, and the sharp rise in the proportion of abnormal loans, etc., can not be fundamentally reversed and will inevitably affect the commercialization of ABC The transformation of banks also contradicts the essential requirements of commercial banks, and these problems are widespread in the whole agricultural bank system.In this paper, I analyze the first quarter of Yinchuan City branch of credit funds operation in order to obtain the thinking of my colleagues.