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近几年来,各商业银行均按现代化银行的要求在机构内部进行了改革,对设在县(市)的大量分支机构进行了撤并,保留下来的县(市)基层机构的贷款审批权全部被上收,这些基层机构仅起到吸收存款,获取低成本资金的作用,其大量的资金由经济贫困地区向经济发达地区转移,由乡镇、小城市向大中型城市转移,由科技含量低的传统产业向科技含量高的新兴产业转移。目前农发行总行提出了强化县级支行业务经营前台的职能,将二级分行建设成为经营管理平台的整体战略构想,并部署了上收县级支行贷款审批权的试
In recent years, all commercial banks have carried out internal reforms at the request of the Bank of Modern Development. All the branches in the county (city) have been reorganized and the loan approval authority of the county (city) These grassroots institutions only played a role in absorbing deposits and obtaining low-cost funds. The large amount of funds were transferred from economically impoverished areas to economically developed areas and from towns and small cities to large and medium-sized cities. The low-tech Traditional industries shift to emerging industries with high technology content. At present, the head office of the Agricultural Development Bank has proposed strengthening the front-office functions of county-level branch businesses, building the second-tier branches into the overall strategic concept of the operation and management platform, and has deployed the trial of approving the loan approval power of county-level sub-branches