经过二十多年的改革,商业银行的利润目标和经营自主权日益加强,在尽快降低不良贷款的压力下,贷款越来越谨慎,自主性操作越来越强。促进中小企业发展和扩大就业,本不是企业化银行的追逐目标。对存、贷款利率实行基本管制,以及货币市场利率自由化,必然驱使商业银行对信息不对称及 After more than two decades of reform, the profit targets and operating autonomy of commercial banks have been steadily increasing. Under the pressure of reducing non-performing loans as soon as possible, loans have become increasingly cautious and their autonomy has become more and more rigorous. To promote the development of small and medium-sized enterprises and to expand employment, this is not the chase goal of the commercial banks. The basic control over the deposit and lending rates and the liberalization of interest rates in the money market inevitably drive commercial banks to make information asymmetrical and