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银行是经营货币的特殊企业,有其特殊的职能。银行的经营在一定程度上体现了国家经济政策,它的政策体现是通过资金的导向作用实现的,即通过资金投向体现国家支持什么,限制什么。当前全社会都在转变经济增长方式,银行的政策体现就是要利用信贷杠杆,通过资金投向全力推动社会经济增长方式的转变。因此,在经济增长方式由粗放型向集约型转变过程中,我国商业银行在发展贷款业务时,如何根据集约化经营目标优化贷款投向,促进经济增长方式的转变的问题,就非常现实地摆在了我们面前。
Banks are special companies that operate in currencies and have their special functions. To a certain extent, the operation of a bank embodies the national economic policy. Its policy is realized through the guiding role of capital, namely, what is the limit and what is supported by the capital investment by embodying the state’s support. At present, the whole society is changing the mode of economic growth. The bank’s policy manifests that it is necessary to make use of credit leverage and make full efforts to promote the transformation of the mode of social economic growth through funding. Therefore, during the process of transforming the mode of economic growth from extensiveness to intensiveness, how to optimize the loan orientation and promote the transformation of the mode of economic growth according to the goal of intensive operation when commercial banks in our country develop loans is very realistic In front of us