一、必须认识:构造合理的信贷规程是当前激活县级农行并保持县级农行持续有效发展乃至全国农行不断提高经营效益最迫切、最现实、最有效的选择。1.1、本文所要阐述的信贷规程是一个广义概念。它既包括基本的信贷政策,必须共同遵守的信贷基本规则,还包括多元化信贷产品的设计、营销、推广、产品 First, we must recognize that a properly constructed credit regulation is the most urgent, realistic and effective choice for activating ABC at county level and for ensuring the sustainable and effective development of ABC at county level. 1.1. The credit rules to be elaborated in this article are a broad concept. It includes not only the basic credit policy, the basic credit rules that must be adhered to, but also the design, marketing and promotion of diversified credit products, products