1 银行信贷资产质量低下 ,不良贷款占比上升。调查反映 ,导致银行信贷资产质量低下的原因 :一是区域经济运行质量不高 ,大部分企业经济效益低下 ;二是经济增长过分依赖于银行贷款。目前岱山县企业流动资金的 70 %以上来源于金融机构 ,在国有企业尚未进行现代企业制度改革、企业 1 The quality of bank credit assets is low, with the proportion of non-performing loans rising. The survey shows that the reasons for the low quality of bank credit assets are as follows: First, the quality of regional economic operation is not high and the economic efficiency of most enterprises is low; second, economic growth is overly dependent on bank loans. At present, over 70% of the working capital of enterprises in Daishan County come from financial institutions. In the state-owned enterprises, the reform of the modern enterprise system has not been carried out yet. Enterprises