一、基层银行降低不良贷款中的主要困难和问题1、体制矛盾困扰银行。当前 ,企业转制重组在县级地区正全面展开 ,但对其中企业逃废债务行为基层银行仍无有效应对措施。一方面在转制过程中政府对银行提出许多具体要求 ,要求提供信贷支持 ,且从国家政策及从长远利益出发银行也对这 First, the grass-roots banks to reduce non-performing loans in the main difficulties and problems 1, institutional conflicts plagued banks. At present, the restructuring and reorganization of enterprises is proceeding in full swing at the county level, but there is still no effective response to the grass-roots banks in which enterprises abstem off debt. On the one hand, in the process of restructuring, the government made many specific demands on banks and asked for credit support. And from the perspective of national policies and long-term interests,