在社会主义市场经济条件下,市场经济规律必然对调节经济运行发生作用。市场经济规律象一双无形的手,将企业的生产经营拢人“风险性潜流”之中。因为银行的信贷资金已参与了绝大多数企业的资金运动,企业在市场竞争中的成功与失败,直接影响到银行信贷资产的营运,威胁着贷款的安全性和流动性。为此,探讨当前信贷管理的偏差,并提出相应的矫治对策,已成当务之急。 Under the socialist market economy, the laws of the market economy will inevitably have a role in regulating economic operation. Market economy laws like a pair of invisible hand, the production and operation of the enterprise gather “risk undercurrents.” Because the bank’s credit funds have been involved in the capital movement of most enterprises, the success and failure of enterprises in the market competition have a direct impact on the operation of bank credit assets, threatening the security and liquidity of loans. To this end, to explore the current deviation of credit management and put forward corrective measures has become a top priority.