为缓解地方政府偿债压力,促进区域经济稳定增长,近年来,地方政府以公开发行和定向承销方式发行一般债券置换地方债务,对减轻地方债务负担、防范区域金融风险发挥了积极作用。地方政府债务置换对商业银行产生正面效应的同时,也对商业银行转型发展造成一些不利影响。基本情况以江西景德镇为例,在当地财政部门的高效协调下,金融机构无缝对接地方政 In order to alleviate the pressure on local governments to pay debts and promote the steady growth of regional economy, in recent years, local governments have issued general bonds to replace local debts by way of public offering and underwriting. This has played an active role in alleviating local debt burdens and preventing regional financial risks. While the replacement of local government debt has a positive effect on commercial banks, it also has some adverse effects on the transformation and development of commercial banks. The basic situation Jingdezhen in Jiangxi Province, for example, in the efficient coordination of the local financial sector, seamless docking financial institutions