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国有商业银行时期,工商银行信贷工作的重点,一是配合国家对国有经济的战略性改组,积极支持国有企业改革,尤其是集中资金支持国有大型企业和企业集团;二是以效益为核心,以风险防范为重点,以信贷结构调整优化为主线,不断创新信贷营销方式,大力拓展优质信贷市场。一、信贷结构调整优化小李:1995年～2004年,工商银行围绕国家宏观调控需要,从严控制贷款总量,按照国家产业政策和信贷政策把握贷款投向,集中资金支持重点地区、重点项目和重点企业的资金需要,实施贷款退出战略,努力调整优化信贷结构。请问工行在贷款客户结构调整方面的举措及其成效如何?
During the period of state-owned commercial banks, the focus of ICBC’s credit work was to cooperate with the state’s strategic reorganization of the state-owned economy and actively support the reform of state-owned enterprises. In particular, it concentrated funds to support large state-owned enterprises and enterprise groups. Second, with efficiency as the core and Risk prevention as the focus, with the credit structure adjustment and optimization as the main line, and constantly innovate credit marketing methods to vigorously develop high-quality credit markets. I. Adjustment and Optimization of Credit Structure Xiao Li: From 1995 to 2004, in accordance with the requirements of the state’s macro-control, ICBC strictly controlled the total amount of loans, took loans in line with the state’s industrial policies and credit policies, focused its funds on key areas and key projects and The capital needs of key enterprises, the implementation of loan exit strategy, and strive to adjust and optimize the credit structure. What is the ICBC’s initiatives and achievements in the structural adjustment of loan customers?