在粮食市场全面放开的地区，农发行收购贷款原则由按保护价敞开供应收购资金变为以销以效定贷，随着企业经营风险的加大，信贷管理措施更加严格。与此同时，一些地方信贷管理的实效性在不断下降，信贷管理形势不容乐观。以江苏某产粮大县为例，至２００２年７月底，改制后的粮 In the area where the grain market is fully liberalized, the ADPL’s loan-seeking principle is changed from the provision of open-ended acquisition financing at the protection price to a fixed-term loan at the expense of sales. As the business risk increases, credit management measures are stricter. At the same time, the effectiveness of some local credit management is declining, and the credit management situation is not optimistic. Take a county of grain-producing counties in Jiangsu as an example, by the end of July 2002, the grain after the reorganization