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一、问题的提出建设银行作为我国经营货币业务的主要国有商业银行之一，经营效益来源主要有贷款、中间业务、同业往来、投资（主要为购买国债及债券）等收入。在现阶段，贷款利息收入仍是利润的主要来源。随着金融体制改革的不断深化和金融市场的对外开放，培植一批资信优良、
I. Issues raised CCB, as one of the major state-owned commercial banks operating currency business in China, mainly derives operating income from loans, intermediary businesses, inter-bank transactions and investments (mainly treasury bills and bonds). At this stage, loan interest income is still the main source of profit. With the continuous deepening of the reform of the financial system and the opening up of the financial market, we have fostered a group of excellent creditworthy,