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一、建立和完善逐级授权制度银行的授权管理体制,是在法定经营范围内对有关业务职能部门、分支机构的信贷业务岗位进行授权,并对其所属业务职能部门、分支机构和贷款业务岗位开展信贷业务的权限制定出了具体的规定和实施办法。目前,农发行对贷款只规定了审批权限,没有对分支机构进行总量控制,与贷款质量也没有紧密联系,应当予以完善。一是在法定经营范围内,对信贷业务职能部门和分支机构实行“分级管理”“逐级有限授权”,重点是做好市级分行的向下授权。二是根据当地业务资源量、经营管理水
I. Establishing and Perfecting the Authorized Management System of Graduated Authorization System Banks authorize the credit business positions of the relevant business functional departments and branches within the statutory business scope and authorize their business functional departments, branches and loan business positions To carry out the credit business authority to develop a specific provisions and implementation measures. At present, the ADBC has provided only examination and approval authority over loans. It did not control the total amount of branches and did not closely relate to the quality of loans, and should be perfected. First, within the statutory scope of business, credit business functions and branches are subject to “hierarchical management” and “limited level-by-level authorization”, with a focus on making downward authorization for city-level branches. Second, according to the amount of local business resources, management of water