目前,农发行信贷管理工作主要存在以下问题。一是信贷审批权限过于集中。《中国农业发展银行直接授权书》只规定了少数审批权限可以向二级分行以下转授,办贷链条从县行经三个层次延伸到省行,部分还要延伸到总行,且要经历调查、审查、反馈等诸多环节。据某省统计,从企业提出申请到贷款发放,走完全部办贷流程,平均办贷时间约 At present, the credit management of the Agricultural Development Bank mainly has the following problems. First, credit approval authority is too concentrated. The “Direct Power of Attorney of China Agricultural Development Bank” only provides for a small number of approval authority to sub-branches below the transfer, extending the chain from the county through three levels to the provincial bank, some also extended to the head office, and to go through the investigation, Review, feedback and many other aspects. According to the statistics of a province, applications are made from enterprises to loans, and the whole process of loan processing is completed. The average time for handling loans is about