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信贷参与制度作为社会丰义市场经济条件下农发行信贷管理的客观要求,其作用和意义早就有所认识,并且在信贷工作中相继注入了参与要求,如“以销定贷、以效定贷”,“区别对待、择优扶持”、“捆绑式”管理等等信贷原则和要求。但是,由于信贷参与缺乏制度保证,从整体看,参与不乏流于形式的情况,信贷管理封闭模式仍没有得到根本改善。因此,解决信贷管理水平低,强化信贷参与意识,必须从制度化建设入手,通过制定信贷参与的政策规定、要求及各种制约措施,推动农业发展银行信贷管理整体水平的提高。为此,我认为这一制度的框架应包括:
As an objective requirement of ABC’s credit management under the market economy condition of social prosperity, the credit participation system has long been aware of its role and significance, and has been involved in the credit work requirements, such as “ Credit ”,“ differentiated treatment, merit support ”,“ bundled ”management and other credit principles and requirements. However, due to the lack of institutional guarantee for credit participation, there is no lack of formal involvement in the overall situation. The closed-door model of credit management has not yet been fundamentally improved. Therefore, to solve the problem of low credit management and strengthening awareness of credit participation, we must start from the institutionalization and promote the overall level of credit management of Agricultural Development Bank by formulating policies, requirements and various credit control measures. For this reason, I think the framework of this system should include: