湘西自治州农业发展银行系统自营业开始的第一天,就背着一个沉重的、低劣的信贷资产质量包袱。这种包袱,随着潜在原因的扩张,愈来愈沉重,到1997年10月末,各项贷款余额比年初增长30.47％,而“两呆一逾”贷款的比例亦继续上升。分析农发 The Agricultural Development Bank of Xiangxi Autonomous Prefecture carried a heavy and poor baggage of the quality of its credit assets on the first day of its operation. As the underlying causes expanded, the burden grew heavier. By the end of October 1997, the loan balances had increased by 30.47% over the beginning of the year, while the proportion of “two and one in a one” loans also continued to rise. Analysis of agricultural development