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商业银行内部资金运作和信贷管理出现的新变化据调查,近年来,特别是进入2006年以来,各国有及股份制商业银行对基层分支行的资金管理和信贷管理出现了一些明显变化,表现为“五个转变”：资金管理从差额管理转变为全额集中管
According to the survey, in recent years, especially since it entered the market in 2006, there have been some obvious changes in the capital management and credit management of grassroots branches by state-owned and joint-stock commercial banks. The performance of “ Five Changes ”: Treasury Management Change from Balance Management to Full Centralization