一、民营企业货款风险表现及特点银行作为我国资本市场的主体力量,最直接的体现就是银行信贷结构的变化。据调查,截至2004 年末,东部地区的广东省银行机构对民营企业的贷款总量占到银行贷款总规模的75％,已经超过该省民营经济占国民经济总量的比例(约为69％)。即使是 First, the performance and characteristics of the loan risk of private enterprises As the main force of China’s capital market, banks, the most direct manifestation of the bank credit structure changes. According to the survey, as of the end of 2004, Guangdong Province’s banking institutions in the eastern part of the country accounted for 75% of the total bank loans to private-sector enterprises, exceeding the proportion of the private-owned economy in the country’s total national economy (about 69%). . even if