权责严重不对等严重消耗了客户经理的积极性,包赔的“卖血式”营销更使不少客户经理对贷款营销望而却步。建议对贷款业务各个环节的岗位责任进行细化和确认,只有权责对等,追责到各个环节与岗位,才能从根本上解决客户经理的放贷之“惑”。当前在宏观经济持续走低,银行净利润不断压缩,同业竞争日趋激烈的背景下,走出贷款营销困局,是农村商业银行在夹缝中求生存的关键。笔者对新常态下农村商业银行在贷款营销方面存在的问题及原因进行了分析,并对农商银 Severe non-equal rights and responsibilities seriously consume the enthusiasm of the client manager, including compensation for the “selling blood ” marketing more so that many account managers prohibit the loan marketing. It is suggested to refine and confirm the post responsibilities in all aspects of the loan business. Only with equal rights and responsibilities and responsibility in all aspects and positions can we fundamentally solve the problem of lending to client managers. At present, under the background of continued macroeconomic depression, continuous shrinking of net profit of banks and increasingly fierce competition among banks, it is the key for rural commercial banks to survive in the cracks between themselves and their banks. The author analyzes the existing problems and reasons of rural commercial banks in loan marketing under the new normal,