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随着我国正式加入世界贸易组织 ,中国的经济已经全面融入全球经济的大潮中 ,我国企业的重组和调整已不可避免。因此 ,银行应该密切关注各行业的发展方向 ,信贷结构也要随着经济环境的变化而改变 ,以提高银行的信贷资产质量和经济效益 ,使我国的银行业朝着健康的方向发展。本文仅对我国五大支柱工业———交通运输设备制造、电子通信设备制造、纺织、化工和冶金中的汽车、钢铁、纺织和石化行业目前的现状、加入世界贸易组织后对这些行业的承诺 (关税减让 )以及由此而产生的影响进行了初步分析 ;然后对目前国内商业银行的贷款结构进行了实证分析 ;最后结合以上分析 ,提出了我国商业银行未来信贷结构的调整趋向
With China’s formal admission to the World Trade Organization, China’s economy has been fully integrated into the tide of the global economy. The restructuring and readjustment of our enterprises have become inevitable. Therefore, banks should pay close attention to the development direction of each industry, and the credit structure should also change as the economic environment changes so as to improve the quality and economic benefits of the bank’s credit assets so that our banking industry will develop in a healthy direction. The current status quo of the automobile, steel, textile and petrochemical industries in the five pillar industries of China --- transportation equipment manufacturing, electronic communications equipment manufacturing, textile, chemical and metallurgy, and their commitment to these industries after their accession to the World Trade Organization (WTO) Tariff concessions) and the resulting impact of a preliminary analysis; and then the current domestic commercial bank loan structure empirical analysis; Finally, combined with the above analysis, put forward the future adjustment of China’s commercial bank credit structure trend