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随着我国社会主义市场经济体制的建立和完善以及金融体制改革的深入，研究分析和适应信贷市场的变化是搞好银行信贷工作的重要前提。当前，信贷买方市场的形成是银行信贷工作面临的一个突出问题，本文就信贷买方市场成因分析和银行对策思考谈点初步认识。 一、信贷买方市
With the establishment and perfection of China’s socialist market economic system and the deepening of the reform of the financial system, it is an important prerequisite for doing a good job in bank credit work to study and analyze changes in the credit market. At present, the formation of the credit buyer’s market is a prominent issue facing the bank’s credit work. This article first talked about the credit buyer’s market analysis and the bank’s countermeasures. First, the credit buyer’s market