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农发行上收县级支行贷款审批权,是按现代银行要求,深化信贷管理体制改革,加强信贷授权管理,严格贷款审批权限的重要举措。但是在实际操作中,还存在认识上和配合上的问题。如一些基层行认为贷款管理工作重点主要是客户营销、贷前调查、贷后管理,没有贷款审批权将削弱工作的主动
The issuance of the approval of loan approval of county-level sub-branches by the Agricultural Development Bank is an important measure for deepening the reform of credit management system, strengthening credit authorization management and strictly approving the loan approval authority at the request of the modern banks. However, in practice, there are still problems of understanding and cooperation. For example, some grassroots think that the main focus of loan management is customer marketing, pre-loan investigation, post-loan management and the failure to approve loan approval, which will weaken the work initiative