随着我国正式加入WTO ,商业银行将面临外资银行的严峻挑战 ,外汇贷款业务将首当其冲。本文对近年来西南四省区金融机构外汇信贷收支状况进行了分析 ,试图从深层次揭示辖内外汇贷款萎缩的原因 ,并有针对性地提出了国内商业银行扩大外汇贷款的措施建议。 With China’s formal accession to the WTO, commercial banks will face severe challenges from foreign-funded banks and the foreign exchange loan business will bear the brunt. This article analyzes the foreign exchange credit receipts and expenditures of financial institutions in four provinces in Southwest China in recent years, trying to reveal the reasons for the shrinking of foreign exchange loans within its jurisdiction in depth, and puts forward some suggestions on measures to expand foreign exchange loans by domestic commercial banks.