翻开位于西南边陲的中国工商银行云南省分行的发展史册,上面记载着该行近三年来取得的辉煌:截止2004年末,流动资金贷款占比由82%下降到60%,基础设施贷款、个人贷款占比由18%提升至40%,信贷结构得到了有效调整;累计清收处置不良贷款41亿元,占比由18.1%下降至12%以内;电子银行交易额 Unfolding the history of the branch of Industrial and Commercial Bank of China branch in Yunnan Province on the southwestern border, the record shows the bank’s brilliant achievements over the past three years: As of the end of 2004, the proportion of working capital loans dropped from 82% to 60%. Infrastructure loans, The proportion of loans increased from 18% to 40%, and the credit structure was effectively adjusted. A total of 4.1 billion yuan of non-performing loans were collected and disposed of, down from 18.1% to less than 12%. E-banking transactions