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近年来,农行在调整信贷结构上进行了一些有益的探索,信贷整体运作也有了较大改观,由于诸多原因,致使“思考多于行动,希望高于现实”。以商业银行标准衡量,与同业比较,差距明显。信贷客户群体质量低,信贷资金产业、行业结构分布不合理,特别是不良资产居高不下的态势犹如一道厚重的屏障阻碍了农行改革和发展。自3月底农总行新一届党委成立后的第一次全国分行党委书记、行长会议“将信贷结构调整作为全国分行长会议跨世纪的专题内容”这一明智之举,给信
In recent years, ABC has conducted some useful explorations in adjusting the credit structure. The overall operation of credit has also been greatly improved. Due to many reasons, ABC has “thought more than actions and hopes are higher than reality.” Measured by the standards of commercial banks, the gap is significant compared with their peers. The low quality of credit customer base, the irreducible distribution of credit funds and industry structure, and especially the high level of non-performing assets are like a heavy barrier that has hindered the reform and development of ABC. Since the end of March, after the establishment of a new party committee of the Agricultural Bank of China, the first secretary of the party branch and president meeting of the National Branch of the Agricultural Bank of China held a wise move of “adjusting the credit structure as a cross-century topic of the national branch and president’s meeting”