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信贷规划控制是必须的,但如何帮助处在改制过程中的农信社做大总量、做优质量、完善制度、科学管理,是需要思考的问题自20世纪90年代人民银行废弃银行信贷规模管理之后,很长一段时间内,对银行业金融机构的信贷管理是通过“存贷比”来进行控制的。2012年,人民银行根据特殊时期的特殊需要,摒弃了存贷比管理模式,采取合意新增信贷规划管理模
Credit planning control is a must, but how to help the rural credit cooperatives in the restructuring process to enlarge the total volume, improve quality, improve the system, and scientific management are issues that need to be considered Since the 1990s, the scale of bank loans of the People’s Bank of China After a long period of management, credit management of banking financial institutions is controlled through the “loan-to-deposit ratio.” In 2012, the PBC abandoned the loan-to-deposit ratio management model according to the special needs of a special period and adopted the consensus model of new credit planning and management