一、信贷资产质量低下，金融风险增大银行不良贷款居高不下，且有上升趋势，在资产负债比例的控制下，使银行开展信贷业务步履艰难。面对许多企业逃债、废债行为，银行操作信贷业务更加谨慎。另一方面，企业之间的三角债屡清屡欠，到上年5月末，仅山西省独立核算工业企业应收帐 First, the quality of credit assets is low and the financial risk is high. The non-performing loans of banks are on the rise with an upward trend. Under the control of the asset-liability ratio, it is difficult for banks to start credit business. In the face of many enterprises to evade debt, debt cancellation behavior, bank operation credit business more cautious. On the other hand, the triangular debt between enterprises repeatedly repeatedly owed to the end of May last year, only accounting for industrial enterprises in Shanxi Province, independent accounting receivable