随着农发行的发展,信贷管理薄弱环节日益显现,信贷风险日渐突出,极大地影响了农发行经营效益和支农作用的发挥。加快信贷文化建设,促进信贷管理规范化、科学化,是当前农发行提高经营管理水平急需突破的方向。为此,笔者就培育信贷文化,构建信贷管理的长效机制做一些探讨。 With the development of the Agricultural Development Bank, the weak links in credit management have become increasingly apparent, and the credit risk has become increasingly prominent. This has greatly affected the operational efficiency of the ADBC ​​and the role of supporting agriculture. Speeding up the construction of credit culture and promoting the standardization and scientification of credit management are the urgent directions for the development of operation and management of the Agricultural Development Bank. For this reason, I make some discussions on cultivating credit culture and establishing a long-term mechanism of credit management.