目前开发银行作为一个政策性银行,其业务管理的一个突出特点是,在开展信用活动时既要考虑国家的意图,又要按照银行的一般规律办事。换句话说,在发放贷款中既要防止财政化倾向,只放不收,无异于财政拨款;又要防止完全的商业化倾向,混同于一般的商业银行贷款。这 At present, as a policy bank, a prominent feature of its business management is that it must consider both the state’s intention and the general rules of the bank when carrying out credit activities. In other words, it is necessary to prevent the tendency of financialization when issuing loans, and to put aside only the unpaid allowance for the financial allocation of funds. We should also prevent the tendency of complete commercialization to be confused with the loans of commercial banks in general. This