信贷市场的拓展对提高我国国有商业银行的收益水平 ,增强不良贷款的消化能力 ,加速信贷产品的创新和整合 ,推动国有商业银行的商业化改革具有重要的意义。随着我国金融体制改革的推进和金融开放度的不断提高 ,信贷市场的拓展工作也面临一些新情况 ,如信贷市场空间的变化、银行 The expansion of the credit market is of great significance to improving the income level of state-owned commercial banks, enhancing the digestion ability of non-performing loans, accelerating the innovation and integration of credit products, and promoting the commercialization of state-owned commercial banks. With the advancement of China’s financial system reform and the continuous improvement of financial openness, the expansion of the credit market also faces new situations such as changes in the credit market space,