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关于总、分行直贷业务运作的探讨□建设银行安徽省分行戴金明一、问题的提出经济决定金融，金融反作用经济。商业银行一种新的信贷管理方式的出现，一般是其内外部因素双重作用的结果。我行开办直贷业务，正是基于下述考虑：其一，中国市场经济的发展水平已经步入一个新的层次?
Discussion on the Operation of Direct and Direct Loans Business of Branches and Branches □ Dai Jinming, Anhui Branch, China Construction Bank I. Issues Put Forward Economy determines the financial and financial counter-productive economies. The appearance of a new credit management mode of commercial banks is generally the result of the dual role of internal and external factors. It is based on the following considerations that the bank started its direct loan business: First, has the development level of the Chinese market economy entered a new level?