传统的银行信贷经营观念和管理方式当前正经受着市场化浪潮的强烈冲击。几十年来国有企业“只见其生，不见其死”的有悖经济规律的现象已是一去不复返了；一度是农行“信贷基地、生息基地和存款基地”的供销社贷款已成为沉重的历史包袱；昔日的一些“明星企业”现却已是不良贷 The traditional concept of bank credit management and management is currently under the influence of the tide of marketization. The phenomena that governed the economic laws of state-owned enterprises that “saw only their own lives and saw their deaths” for decades were gone. The supply and marketing cooperatives, once the “credit base, interest-bearing base and deposit base” of ABC, became the Heavy historical burden; some of the former “Star Enterprise” is now a non-performing loan