信贷管理制度缺位包括信贷制度供给不足 (各项信贷管理制度不健全或尚未建立 )和执行失范 (对已制定的信贷法规、制度在执行上有章不循 ,有禁不止 ,有法不依 ,执法不严 )。克服和解决信贷管理制度缺位应从以下几方面入手 :一是要建立贷款的市场营销管理机制 ,增加信贷有效投放 The lack of credit management system, including the lack of credit system (the credit management system is not perfect or not yet established) and the implementation of anomie (credit laws and regulations have been formulated, the system does not follow the rules in the implementation, there are more than ban, there is no law, Lax enforcement). To overcome and solve the lack of credit management system should start from the following aspects: First, we must establish a loan marketing management mechanism to increase the effective delivery of credit