论“九五”时期商业银行固定资产信贷工作的策略□彭嘉庆□一、当前商业银行固定资产信贷工作存在的主要问题一是固定资产贷款质量不高。表现在：（１）粗放型经济增长方式，靠外延扩张投资规模去实现经济高速增长；由于投资支出超出国家和企业的支撑力，技改、基建项目超... On the strategy of commercial banks’ fixed assets credit in the Ninth Five-year Plan □ Peng Jiaqing □ First, the main problems existing in the current commercial bank’s fixed assets credit work are: First, the quality of fixed assets loans is not high. It is manifested in the following aspects: (1) The extensive mode of economic growth relies on outward expansion of investment scale to achieve rapid economic growth; as investment expenditures exceed the support of countries and enterprises, technological innovation and infrastructure projects are super ...