贷款审批权的上收,对促进审、贷分离管理体制的改革和信贷资产逐步实现集约化经营,均有着极为重要的意义。但是,作为一项重要的改革,在其实施过程中,由于相关措施尚不配套的限制,当前基层支行主要面临三方面的问题, The approval of loan approvals is of great significance to promoting the reform of the separation of audit and credit separation management system and the gradual realization of intensive management of credit assets. However, as an important reform, in the course of its implementation, due to the lack of supporting measures for the relevant measures, the current grassroots branches mainly face three problems,