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近几年来，农业银行虽然一直把调优信贷结构作为工作的重点，但至今未取得突破性进展，其中一个很重要的原因是没有形成有效的信贷结构调整实现机制，即进退机制，总是在局部的范围内作一些简单的调整和修补，收效自然欠佳。因此，我们必须从农业银行的信贷结构调整工作的关键
In recent years, although ABC has been focusing its efforts on optimizing the credit structure, one of the important reasons for its failure to make breakthroughs so far is that it has not formed an effective credit structure adjustment mechanism, that is, the mechanism of advance and retreat, Some simple adjustments and repairs in the local area will inevitably bring about ineffective results. Therefore, we must adjust the credit structure from ABC to work the key