一、当前信贷管理中的现实矛盾（一）限权管理与市场竞争的矛盾近年来，国有商业银行逐步、逐级上收了一些信贷投放权，实施限权管理。开始时，主要是对各种贷款业务的最高审批金额进行授权和转授权，从而确定各级行最高签批人对单笔信贷业务的最大审批权限。这种限额集权主要? I. Current Contradictions in Credit Management 1. Conflicts between Power Management and Market Competition In recent years, the state-owned commercial banks gradually and gradually received some credits and exercised limit management. Initially, it was mainly to authorize and sub-authorize the maximum approval amount of various loan businesses so as to determine the maximum approval authority for the single credit business by the highest signatories at all levels. This kind of quota is mainly?