建国以来,我国银行信贷资金管理体制随着国家经济管理体制的变化而几经改革,大体上经历了以下三个阶段:1978年以前的“统存统贷”管理体制;1979年至1984年的“差额包干”管理体制;1985年以来“实贷实存”的基础上把资金与规模分开,实行了“信贷规模和资金双向控制”的体制。随着党的十四大的召开,市场经济的逐步建立,原有的信贷资金管理体制已越来越不适应经济发展的需要,因此在今年初,改革了旧的管理体制, Since the founding of the People’s Republic of China, the management system of bank credit funds in our country has undergone several reforms following the changes in the state’s economic management system. In general, it has undergone the following three stages: the system of “unified state monopoly loans” prior to 1978; the period from 1979 to 1984 The system of “differential package management”; since 1985, “real credit loans actually exist” based on the separation of funds and scale, the implementation of “two-way control of credit scale and capital” system. With the convening of the 14th National Congress of the CPC and the gradual establishment of a market economy, the existing credit fund management system has become increasingly unsuited to the needs of economic development. Therefore, at the beginning of this year, the old management system was reformed,