一、难点１－实现商业化经营后的农行，在信贷资金计划的制定上，仍然沿用计划体制下的方式。一是计划制定不从基层经营行的实际行情以及地方经济状况出发，自上而下确定经营指标。二是指标确定无科学依据，几乎是一个模式，逐年递增，致使基层经营行“跳起来也难以摘到桃子”? First, the difficulty 1 - to achieve commercial operation of the Agricultural Bank of China in the formulation of credit funds still use the planning system. First, the plan does not set out from the grass-roots business line of the actual market and the local economic conditions, from top to bottom to determine business indicators. Second, the index to determine no scientific basis, is almost a model, increasing year by year, resulting in the grassroots business line “jump is also difficult to pick peaches”?