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编者按:信贷结构是评价商业银行信贷资源分布合理性的重要尺度。长期以来,国内商业银行偏好于将信贷资金投向地方政府和大型国有企业,导致银行议价能力严重削弱,信贷集中风险日益凸显。
Editor’s note: The credit structure is an important measure of the rationality of credit resources in commercial banks. For a long time, domestic commercial banks prefer to invest credit funds in local governments and large state-owned enterprises, leading to a serious weakening of bargaining power of banks and a growing concentration of credit risk.