一、信贷市场退出的“瓶颈”问题1．信贷退出缺乏有效的宏观政策指导。即想退，却不知从哪里退。现有信贷退出机制的条文存在一定的缺陷。其条文不少是“拿来主义”或“理想主义”，表述简单，可操作性不强。2．信贷退出的时机不易把握。即什么时候退，在实际操作中难以把握 First, the “bottleneck” problem of the withdrawal of credit markets 1. Lack of credit Lack of effective macro-policy guidance. Want to retreat, but I do not know where to withdraw. The provisions of the existing credit withdrawal mechanism have some defects. The provisions of many of them are “used” or “idealism”, the expression is simple, maneuverability is not strong. 2. The timing of the exit of credit is not easy to grasp. That is, when to withdraw, difficult to grasp in the actual operation