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当前我们正处于向市场经济转轨和向商业银行过渡的过程中,各种新旧矛盾的交织与磨合使得信贷结构调整工作难度增大。一是缺乏透明、可行的产业政策,导致信贷结构调整的重点与目标不明确。二是缺乏统一、科学的信贷结构优劣识别和认定标准,虽有“择优扶持”的信贷政策,但不能作为评判信贷结构的价值尺度和具体标准。三是由于目前社会资源配置的市场机制还没有完全确定,地方扩张冲动仍然
At a time when we are in the process of transitioning from a market economy to a commercial bank, the interweaving and running-in of new and old contradictions has made it more and more difficult to adjust credit structure. First, the lack of a transparent and viable industrial policy led to the focus and goal of the structural adjustment of credit being not clear. Second, there is a lack of a unified and scientific standard for the recognition and recognition of the credit structure. Although credit policy is “preferred and supportive,” it can not serve as a measure of value and a specific standard for judging credit structure. Third, due to the fact that the market mechanism for the allocation of social resources has not yet been fully established, the impulse to expand the area is still