所谓信贷“渗透式”管理,是指农发行在粮棉改革日益发展,市场化进程不断加快的前提下,为了保证收购资金封闭运行,按照收购贷款发放、使用、回归的资金运行的内在规律,在对企业实行信贷监管的过程中,把信贷监管的触角延伸到企业经营管理各个环节的一种信贷管理模式。它是农发行封闭管理机制不断完善和发展的结果,是农发行适应粮棉改革发展需要,是农发行做好新时期封闭管理的必然选择。我 The so-called management of credit “infiltration” means that under the prerequisite that grain and cotton reform is progressing day by day and the process of marketization is accelerating, in order to ensure the closed operation of the acquisition funds, in accordance with the inherent law of the operation of the capital for the issuance, use and return of loans, In the process of implementing credit supervision on enterprises, the tentacles of credit supervision are extended to a credit management mode in all aspects of business operation and management. It is the result of continuous improvement and development of the closed management mechanism of ADBC. It is the inevitable choice for ADBC ​​to adapt to the needs of the reform and development of grain and cotton and is a necessary choice for ADBC ​​to do well in closed management in the new era. I