农发行在建行后一段时期,受中央银行信贷计划管理方式、农副产品贷款和专项贷款并存等客观因素的影响,相应采取了“全年计划、分季实施、按月监测、适时调整”的信贷计划管理办法,其管理目标主要是确保各项信贷计划规模的顺利实现。这一信贷计划管理办法适应了当时的历史条件,发挥了积极的作用。但是,在开发性专项贷款划转后,作为农业政策性银行,农发行只剩下了政策性农副产品贷款业务,并且随着粮棉流通体制改革的深化和完善,国家相继对粮食和棉花购销体制进行了调整,中央银行也对信贷计划管理方式进行了改革。这些变化使农发行内外经营环境发生了较大的改变,也给信贷计划管理方法和职能定位提出了新的要求和挑战。因此,研究探讨客观形势变化后信贷计 In the latter period of CCB’s follow-up, due to the objective factors such as the control of the credit plan of the Central Bank, the coexistence of agricultural and sideline products loans and special loans, the Agricultural Development Bank adopted the credit of “annual plan, quarterly implementation, monthly monitoring and timely adjustment” The main objective of the management of the plan is to ensure the smooth implementation of the various credit plans. This credit plan management method adapted to the historical conditions at that time and played a positive role. However, after the development loan was transferred, as the agricultural policy bank, the ADBC ​​only left its loan business for policy-oriented agricultural and sideline products. With the deepening and perfection of the reform of the grain and cotton circulation system, the state successively started to purchase and sell grain and cotton The system has been adjusted, and the Central Bank has also reformed its credit plan management. These changes have greatly changed the business environment inside and outside ADBC, and have also set new requirements and challenges for the credit planning management methods and functions. Therefore, the study explored the changes in the objective situation after the credit plan