从 90年代中期专业银行逐步实施商业化经营以来 ,农业银行从计划经济下的专业银行已逐步转变为中国特色市场经济下的商业银行。然而由于历史的、现实的原因 ,信贷资产质量不高导致农业银行追求利润最大化的目标难以实现 ,且这种因资产质量不高导致的大面积亏损在欠发达地区愈演 Since the specialized commercial banks were gradually commercialized in the mid-1990s, the specialized banks under the planned economy have been gradually transformed into commercial banks under the market economy with Chinese characteristics. However, due to historical and realistic reasons, the low credit asset quality has led to the difficulty of achieving the objective of maximizing profitability of Agricultural Bank, and the large-scale loss caused by the poor quality of assets in underdeveloped areas