低质量贷款的成因分析郑向阳专业银行向商业银行转化，金融机构逐步实行资产负债比例管理，是深层次进行金融体制改革的重要步骤。然而，基层经营单位贷款低质量，效益大滑坡。沉重的包袱使金融机构举步维艰，难以轻装上阵。据对河北省沧州区域内１１１家各类金融机构调查... Causes of Low-quality Loans Zheng Xiangyang The transformation of specialized banks into commercial banks and the gradual implementation of asset-liability ratio management by financial institutions are important steps in deepening the reform of the financial system. However, loans from grass-roots units are of low quality and their profits have been greatly reduced. Heavy burden makes financial institutions struggling, it is difficult to lightly battle. According to a survey of 111 various types of financial institutions in Cangzhou, Hebei Province ...