信贷收益目前是中小型金融机构收益的主渠道，通过盘活老贷款，发放新贷款，实现信贷资金“三性”的有机统一，是金融机构经营的最终目标。而目前，基层的中小型金融机构则普遍存在信贷投放萎缩的现象。究其原因主要有： 第一是外部环境因素的制约。 1．信贷投放对象的企业单位 At present, credit proceeds are the main channel for the returns of small and medium-sized financial institutions. The ultimate goal of the operation of financial institutions is to organically unify the “three nature” of credit funds by revitalizing old loans and issuing new loans. At present, the small and medium-sized financial institutions at the grassroots level generally experience a shrinking credit supply. The main reasons are: The first is the external environmental constraints. 1. Credit-targeted business unit