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商业银行转轨时期国有商业银行与企业关系非均衡的制度分析………………………………渠海雷邓琪（１ -１８）商业银行贷款风险分类实证研究报告……………………………………………………………潘文波（１ -２２）“十五”期间国有商业银行的信贷经营政策应与我国产业结构调整
Institutional Analysis of the Unbalanced Relationship between State-owned Commercial Banks and Enterprises during the Transitional Period of Commercial Banks .................................... ...................................... Pan Wenbo (1 -22) During the “Tenth Five-Year” period, the credit management policies of state-owned commercial banks should be in line with China’s industrial restructuring