随着我国经济体制改革的不断深入,我国的外向型经济得到迅速发展,为适应经济形势的需要,中行陆续建立了地县级支行。据统计,截止1993年底,中行地(市)县级行贷款余额占全国贷款余额的31%。近三年,中国银行每年增加的人民币贷款规模约有50%投向地(市)县级行。而对地(市)县级行的信贷管理工作长期以来一直是一个薄弱环节。当前的外贸体制改革在客观上对地(市)县级行信贷管理工作产生了一定的 With the deepening of China’s economic system reform, China’s export-oriented economy has been rapidly developing. To meet the needs of the economic situation, Bank of China successively established prefectural-level branches. According to statistics, as of the end of 1993, the loan balance at county-level (city) level of Bank of China accounted for 31% of the national loan balance. In the recent three years, about 50% of the annual increase of RMB loans by the Bank of China has been invested in prefectures and cities. Credit management at the county (prefecture) level has long been a weak link. At present, the reform of the foreign trade system has objectively produced a certain amount of credit management at the county (prefecture) level