以客户为中心，是现代西方商业银行的经营理念，也是我国商业银行与国际接轨的必然选择。信贷结构的调整必须遵循高效益、低风险原则，以提高信贷资产质量为目的。调整信贷结构是一项系统工程，从纵向上看，是客户结构、品种结构和期限结构的调整；从横向上看，必须与行业结? Customer-centric, is the management concept of modern western commercial banks, but also the inevitable choice of China’s commercial banks with international standards. The adjustment of the credit structure must follow the principle of high efficiency and low risk so as to improve the quality of credit assets. Adjusting the credit structure is a systematic project, and from the vertical perspective, it is the adjustment of the customer structure, the variety structure and the term structure; from the horizontal perspective, it must be linked with the industry