农发行现行的信贷管理体制,是在1998年国家粮改实行“三分开一完善”时期建立起来的,其核心是实现粮棉收购资金封闭运行。这种体制在当时的条件下,有效地解决了上世纪90年代以来困扰政府和农民的“打白条”问题,促进了粮棉流通体制的改革,缓解了“三农”问题。但是随着我国加入WTO后,粮棉市场化改革步伐加快,这种体制就失去了 The current credit management system of the Agricultural Development Bank was established during the implementation of the “three separate and perfect” reforms implemented by the State Grain Reform in 1998, and its core is to realize the closed operation of the acquisition of grain and cotton. Under the prevailing conditions, this system effectively solved the “Baobabao” problem that plagued the government and peasants since the 1990s and promoted the reform of the grain and cotton circulation system and alleviated the “three rural issues.” However, as China’s accession to the WTO, grain and cotton market-oriented reforms to speed up the pace, this system will be lost