党的十七大之后,党中央愈加重视“三农”工作,出台了许多强农惠农政策。农发行该如何准确把握政策,履行好党中央、国务院赋予的神圣职责,并按现代银行要求,树立好建设新农村的银行的品牌形象,笔者拟就如何进一步加强农发行客户贷款营销与管理工作谈点体会和看法。一、强固一个主体:农发行传统信贷结构调整须有新突破强固一个主体,就是农发行要强固粮棉储备购销贷款主体业务。要在确保粮棉油收购不因农发行原因出现问题的前提下,积极推动和参与国有粮棉购销企业产权制度改革,大力压缩资产质量低、经营效益差的传 Since the 17th CPC National Congress, the CPC Central Committee has attached greater importance to the work on “agriculture, rural areas and farmers” and has promulgated many policies for benefiting agriculture. How to accurately grasp the policy of the Agricultural Development Bank to fulfill the sacred responsibilities assigned by the CPC Central Committee and the State Council and establish the brand image of the banks building the new rural areas in accordance with the requirements of the modern banks. The author intends to further enhance the marketing and management of the loans to customers of the Agricultural Development Bank Talk about experiences and opinions. First, strong one main body: Agricultural Bank of China traditional credit restructuring need to break through a strong new entity, that is, the Agricultural Development Bank to strengthen grain and cotton reserve purchase and sale of the main business. We should actively promote and participate in the reform of the property rights system of state-owned grain and cotton purchasing and marketing enterprises under the premise of ensuring that the acquisition of grain and cotton oil does not cause problems for the issuance of agricultural products and greatly reduce the spread of low-quality assets and poor operating efficiency