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我国面临过剩经济，银行业应采取针对性信贷对策，作者从培植农村市场、启动城镇消费市场、开拓国际市场以及加大基础设施投资等方面提出建议
China is facing excess economy, and banks should adopt targeted credit countermeasures. The author puts forward suggestions from cultivating rural markets, starting up urban consumer markets, opening up international markets and increasing infrastructure investment