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长期以来,商业银行受传统产业结构的影响,形成了以中低端制造业企业为主的“重资产高碳型”对公信贷结构。而“轻资产低碳型”服务业信贷增长明显滞后于行业发展。在供给侧改革背景下,商业银行信贷经营转型需要勇敢地面对和解决这个难题。供给侧改革是我国未来经济改革发展的主要方向,供给侧改革的实质是以结构调整为手段提高供给质量,当前节能环保、清洁能源、生态保护等绿色产业正成为我国经济结构调整和转型升级主抓手,为商
For a long time, the commercial banks have been influenced by the traditional industrial structure and formed a “credit-heavy” high-carbon asset-backed credit structure dominated by medium and low-end manufacturing enterprises. However, credit growth in service industries with “light assets and low-carbon type” lags behind that of the industry. In the context of supply-side reform, the transformation of credit management of commercial banks needs to face and solve the problem bravely. Supply-side reform is the main direction of China’s economic reform and development in the future. The essence of supply-side reform is to improve the quality of supply by means of structural adjustment. At present, green industries such as energy conservation and environmental protection, clean energy and ecological protection are becoming the major players in China’s economic restructuring and transformation and upgrading Handle for the business