如何科学地确定商业银行基层经营机构的信贷增量?现实中采取的规模管理、存、贷比例管理等均发挥出了重要的作用。但是,随着商业银行集约化经营的逐步推开,仅仅注重以简单的规模和存款来控制信贷增量则难顾及到诸如基层经营机构的效 How to scientifically determine the credit increment of grassroots-level commercial banks in commercial banks? The actual scale management, deposit and loan ratio management play an important role. However, with the gradual liberalization of commercial banks, the mere focus on controlling credit growth on a simple scale and in deposits will hardly affect the effectiveness of grass-roots operating agencies