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说句实在话，现在的银行也真是不容易，由于它在市场经济中的地位和作用显眼，总是会受到各行各业和新闻媒体的“特殊关照”和评论，如我们在近期经常听到的“惜贷、慎贷和惧贷”等。银行在放款时．如果条件较松，企业当然高兴，但可能增加了银行风险；反之，严格放款条件，谨慎操作、又可能遭到指责，引来种种说法，那么如何去衡量“惜贷、慎贷和惧贷”呢，恐怕一时也难有一个能在实际中可操作的作法、其实不管是什么“贷”，企业搞活了，银行发展了，经济增长了，就可以认为是好贷；否则，就是劣贷，当然，实践还是要靠理论来指导，能把“惜贷、慎贷和惧贷”搞清楚，那岂不就更好了吗！
To be honest, the present bank is really not easy. Because of its conspicuous status and role in the market economy, it is always subject to “special attention” and commentary by various trades and news media. As we have often heard in the near future The “cherish credit, Shen loan and fear loan” and so on. Bank lending If the conditions are relatively loose, the enterprises are certainly happy, but may increase the bank’s risk; the other hand, the strict conditions for lending, cautious operation, and may be accused of, lead to all kinds of claims, then how to measure “pity loan, Shen loan and fear loan” In fact, no matter what “lending” the enterprise is invigorated, the bank has developed and the economy has grown, it can be regarded as a good loan; otherwise, it is a form of bad loans, Of course, practice should rely on theory to guide, can “cherish the loan, Shen loan and fear loan” to find out, would not it be better!