随着中国加入WTO的日益临近，外资银行将全面进军我国金融市场，WTO有关发展中国家金融市场开放的原则将对我国金融体制的改革和发展产生极为深远的影响。目前我国商业银行必须正视可能带来的冲击，积极进行信贷政策的调整。依据资产负债比例管理理论，健全各类授信体系，实施“四重”战略，即加大向重点地区的资金投放，信贷重点向重点行业转移，贷款优先满足重点客户的融资需求，信贷业务着重发展重点产品。 With the advent of China’s accession to the WTO, foreign banks will fully tap into China’s financial market. The WTO’s principle of opening up the financial markets in developing countries will have far-reaching effects on the reform and development of China’s financial system. At present, China’s commercial banks must face up to the possible impact and actively adjust their credit policies. According to the theory of asset-liability ratio management, various types of credit system were perfected and the “four-fold” strategy was implemented. That is, more funds were allocated to key areas, key credit was transferred to key industries, loans were given priority to meet the financing needs of key customers, and credit business Focus on the development of key products.