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当前，在银行和企业的信贷关系中存在着不协调的问题：一方面是多数企业没有感到银行信贷资金的宽裕和贷款的便利，认为取得银行贷款更加困难；即使从１９９６年以来央行连续７次降低利率，这种状况也没有得到改善。另一方面，商业银行信贷资金难以找到理想的资金使用者，存在
At present, there is an uncoordinated problem in the credit relations between banks and enterprises. On the one hand, most enterprises do not feel comfortable with bank credit funds and loans. They think it is more difficult to obtain bank loans. Even if the central bank has been in a row seven times since 1996 Reduce interest rates, this situation has not been improved. On the other hand, commercial bank credit funds find it difficult to find the ideal fund user