经营资金的集中、信贷管理权限的集中、信贷投向的集中是当前银行信贷集中的基本特点。信贷集中一方面反映了金融机构开始自觉以市场经济的运行机制配置资源，支持经济发展；同时又可导致信贷供求矛盾突出，不利于新的经济增长点的培养，潜在风险加大，应尽快改善这一现状。 The concentration of operating funds, the concentration of credit management authority, and the concentration of credit investment are the basic characteristics of the current concentration of bank credit. On the one hand, the concentration of credit reflects the fact that financial institutions are beginning to consciously allocate resources and support economic development through the operation mechanism of the market economy; at the same time, they can lead to prominent contradictions in supply and demand of credit, unfavorable to the cultivation of new economic growth points, increase potential risks and promptly improve This situation.