随着金融全球化的推进,我国商业银行竞争环境变得日益复杂和多变,银行同业竞争焦点已由负债市场转向资产市场,积极拓展有效信贷市场成为提高银行经营效益的重要途径。伴随着国企改革的不断深入和竞争机制的日臻完善,新疆中小企业迅速,已成为我区国民经济中最具活力的新的经济增长点,但是资金不足制约着它的发展壮大,需要加大中小企业有效信贷投入,避免信贷紧缩的不利影响,促进区域经济平稳健康发展。 With the advancing of financial globalization, the competitive environment of commercial banks in our country has become increasingly complex and changeable. The focus of bank competition has shifted from the debt market to the asset market. Active expansion of effective credit markets has become an important way to enhance the operating efficiency of banks. With the continuous deepening of the reform of state-owned enterprises and the improvement of the competition mechanism, the rapid development of small and medium-sized enterprises in Xinjiang has become the most dynamic new economic growth point in the national economy of our region. However, due to lack of funds, it has restricted its development and growth. Effective corporate credit input, to avoid the adverse impact of the credit crunch to promote the steady and healthy development of the regional economy.