近两年,农发行顺应市场变化,改革信贷管理体制,确立了审贷分离的管理模式,形成了前后台相互制衡、上下级相互制约的矩阵式管理平台。但因为原有固化的行政约束和管理思想的影 In the recent two years, the ADBC ​​has restructured the credit management system in response to changes in the market, established a separate management model for the separation of credit and deferral, and formed a matrix management platform with mutual checks and balances between the front and back offices as well as between the upper and lower levels. However, due to the original curing of the administrative constraints and the shadow of management