信贷结构调整是一个因势而变、动态平衡、与时俱进的过程,不同的经济发展时期会有与之相适应的信贷结构;一个健康、可持续的信贷发展格局必然是多元的、均衡的,即使再好的市场也是有限度的,过度进入或过于集中就易引发系统性风险,有效的战略一定是有限度的战略。我们讲要在调整信贷结构上统一思想,最根本的就是要深入研究、正确把握信贷业务发展的这些规律。 The adjustment of credit structure is a process of changing circumstances, dynamic balance and keeping pace with the times. There will be a credit structure corresponding to it in different economic development periods. A healthy and sustainable pattern of credit development must be diversified and balanced Even the best markets are limited. Over-entering or over-concentration can easily lead to systemic risk. An effective strategy must be a limited strategy. When we say that we must unify our thinking on adjusting the structure of credit, the most fundamental thing we must do is to study in depth and properly grasp the laws governing the development of credit business.