一、现行资金营运机制的弊端与信贷扩张风险的比较分析(一)资金营运决策层次低,增加了信贷扩张风险。在现行资金管理体制下,基层行既是筹集资金的主体,又是配置资金的主体。各基层行组织的资金,除一、二级准备金外,80%资金由各行自主支配。一些基层行由于信息的不对称,地域的局 First, the current operating mechanism of funds malpractices and credit expansion risk comparative analysis (A) the level of capital operation and decision-making, increasing the risk of credit expansion. Under the current capital management system, grass-roots banks are not only the main body of raising funds but also the main body of allocating funds. The funds organized by grass-roots banks, with the exception of primary and secondary reserves, 80% of the funds are at their own discretion. Some grass-roots level due to information asymmetry, regional bureau