信贷业务是商业银行的核心业务,其经营结构直接决定商业银行业务发展的稳健程度和可持续性。多年来,农行许多基层行采取了在总量扩张的同时调整信贷结构的作法,由于种种原因,这种作法效果并不很明显。而曾经是全省农行闻名的信贷失控重灾区的浠水支行,自1997年以来,积极转换信贷经营理念,探索在总量控制下的内涵信贷结构调整模式,使该行在经济条件比较落后。且连年遭受水灾的不利情况下,信贷总量连续三年实现负增长,不良贷款率年均下降5.6个百分点,贷款收息率保持在5.85%,利息收回率处于全市农行先进水平。同时累计发 Credit business is the core business of commercial banks, and its operating structure directly determines the soundness and sustainability of the commercial banking business. For many years, many ABC-level grassroots banks have taken the approach of adjusting the credit structure while expanding their gross volume. For various reasons, the effect of such an approach is not obvious. However, it was once the Xishui sub-branch of the province’s bank that is well-known for its loss of credit control. Since 1997, it has actively changed its concept of credit operation and explored a model of adjustment of the connotation of credit structure under the control of the total amount, leaving the bank lagging behind in economic conditions. Under unfavorable conditions of floods in successive years, the total credit volume has achieved negative growth for three consecutive years. The non-performing loan ratio decreased by an average of 5.6 percentage points per annum. The loan interest rate remained at 5.85%. The interest recovery rate was at the advanced level of the city’s agricultural bank. At the same time the cumulative hair