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一湖北农业银行的信贷业务经历了起步、快速、集约经营、初步结构调整四个发展阶段和农发行分家、信用社脱钩、长城资产管理公司消肿三次整合,经过20多年的发展,信贷总量迅速增长、信贷领域不断拓宽、信贷行为逐步趋于市场化、信贷品种呈现出多元化。信贷领域由单一支持农业市场转变为支持农工商、运输服务等企业的产供销全过程和生产分配消费等再生产的各环节,贷款种类由过去仅有农业和流动资金贷款发展为品种齐全、长短期配置、本外币结合、能够办理国际、国内通行的各类信贷业务。然而我们也应当看到,随着信贷总量的增长和信贷品种的丰富,在经营中也暴露出很多问题,如资产质量日趋恶化、
A credit loan business of Hubei Agricultural Bank has undergone three stages of integration: initial stage, rapid operation, intensive operation and initial structural adjustment, and decoupling of agricultural and development branches and credit unions, and the Great Wall Asset Management Co., after three decades of development. After more than 20 years of development, With the rapid growth of credit, the credit field has been continuously expanded, the credit behavior has become more and more market-oriented, and the credit variety has diversified. The credit sector has been transformed from a single supportive agricultural market to support the production, supply and marketing of agricultural, industrial and commercial, transportation services and other sectors of the production and consumption distribution. The types of loans have been developed from loans from agricultural and working capital funds in the past to full range and short-term and long-term allocation The combination of both domestic and foreign currencies can handle various types of credit transactions internationally and domestically. However, we should also see that with the growth of credit aggregates and the abundance of credit varieties, many problems have also emerged in their operations. For instance, the quality of assets is deteriorating day by day,