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近几年,各家商业银行的商业化经营机制转变较快,“重效益、重成本、防风险”的意识增强,普遍实行了信贷管理权限集中上收和“优良客户制”,重点加大对效益高、信誉好、风险小的优良客户进行营销和增加贷款扶持;相应压缩信用等级低、信誉差、风险大企业的贷款,这符合市场经济优胜劣汰的发展规律。但其中也存在一些问题,如银行贷款向大企业集中就有些过度,对中小企业资金供给则显不足。有些大企业集团、上
In recent years, the commercial operation mechanism of various commercial banks has changed rapidly. The awareness of “relying on benefits, cost-cutting and risk-prevention” has been enhanced. The centralized management of credit management authority and the “excellent client system” Marketing and increasing loans for good customers with high benefits, good credit and low risk; correspondingly reducing loans with low credit rating, bad credit and big risk, which is in line with the law of development of the survival of the fittest in the market economy. However, there are also some problems. For instance, bank lending to large enterprises is somewhat over-centralized and insufficient supply of funds to small and medium-sized enterprises. Some big business groups, on