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现阶段,我国商业银行股份制改革已经初见成效,任何一种体制的改革,它的目的无非是提高整体的收益,使其在市场竞争中占有一定的份额。调整信贷结构,保障银行的整体收益无疑是国有商业银行改革进程中的一项战略性任务。尤其是面对经济结构调整步伐的不断加快,同业竞争日趋激烈的严峻形势,调整信贷结构对顺应发展趋势办好国有商业银行更具有特殊的分量。
At this stage, the reform of the shareholding system of commercial banks in China has achieved some initial success. The reform of any kind of system is aimed at enhancing the overall profitability and occupying a certain share of market competition. It is undoubtedly a strategic task in the process of the reform of the state-owned commercial banks to adjust the credit structure and ensure the overall return of the bank. Especially in the face of the accelerating pace of economic restructuring and the increasingly fierce competition in the industry, the adjustment of the credit structure has a special bearing on the development of state-owned commercial banks in line with the development trend.