１．建立有效的退出机制。当企业即将出现经营困难和经济效益滑坡，或缺乏发展前景，在银行贷款有可能转化为不良贷款时，可根据信贷指导政策将其作为退出对象。对经营状况一般、没有发展前景、对银行贡献度不大的“禁止支持和积极退出”行业所在企业，虽然目前还不是不良贷款 1. Establish an effective exit mechanism. When enterprises are about to face operational difficulties and economic decline, or lack of development prospects, they may be withdrawn from credit guidance policies when bank loans are likely to be converted into non-performing loans. For businesses that are generally “banned and actively withdrawn” from industries where the operating conditions are normal, those with no prospects for growth and no major contribution to the bank, although they are not yet bad loans