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近年来,我国商业银行在信贷结构调整过程中,有一个值得关注现象,就是贷款越来越多地投向大城市、大企业、上市公司,信贷资金呈现出了明显的集中趋势。这种趋势不仅让众多的中小企业得不到必要的信贷支持,发展到一定程度后,也对金融机构自身的营运安全提出了严峻挑战。即便如此,众多商业银行经营者们依然乐此不疲,为何?如此发展是福是祸?带着种种疑惑,笔者进行尝试性研究和思考。一管之见,仅供参考。
In recent years, the commercial banks in our country have a phenomenon that deserves our attention during the adjustment of credit structure. That is, loans are increasingly being invested in large cities, big enterprises and listed companies, and the credit funds have shown a clear tendency of concentration. This trend not only makes a large number of SMEs lack the necessary credit support, but also poses a severe challenge to the financial institutions’ own operational safety after their development to a certain extent. Even so, many commercial bank operators are still bored, why? Such a development is a blessing or a curse? With all sorts of doubts, the author of tentative research and thinking. A tube of opinion, for reference purposes only.