转贷是指商业银行将企业到期而未归还的贷款通过重签合同的方式重新发放而形成新贷款的行为。转贷不同于展期，展期是指经银企双方商定，延长原贷款期限，而且《贷款通则》对此种业务的利率和期限有严格、明确的规定。据调查，目前国有商业银行的转贷现象大量存在，这导致信贷 Loan refers to the commercial banks will expire but not the company’s loans by way of re-sign the contract to re-issue and form a new loan behavior. Loan is different from the extension of extension, extension is the agreement by both parties agreed to extend the original loan deadline, and “General Rules of Loans” for such business interest rates and deadlines have strict and clear rules. According to the survey, the current state-owned commercial banks have a large number of lending phenomenon, which led to credit