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一、产业结构调整、信贷结构调整及信贷风险防范随着中国市场经济改革的深化，市场配置社会经济资源的作用越来越大；随着国有商业银行企业化改革的推进，当前仍占银行80％以上业务的信贷资金的投向问题也已成为银行运营效益的关键。尽管有许多因素直接或间接地影响着银行资金
I. Adjustment of Industrial Structure, Adjustment of Credit Structure and Prevention of Credit Risks With the deepening of China’s market economy reform, the role of the market in allocating social and economic resources has become increasingly larger. With the progress of the commercialization of state-owned commercial banks, the Bank still accounts for 80% The problem of investing credit funds of more than% of the business has also become the key to the operational efficiency of banks. Although there are many factors that directly or indirectly affect bank funding