信贷投向一直是银行经营中较难把握的问题。从传统的对企业分类排队,到直接定性的国家发布产业政策,都未能有效扼制银行不良资产的快速增长。如果把存量资产中不良资产的扩大归结为经济体制转轨的负面影响的话,在新的增量中也屡屡发生风险贷款似乎就很难用上述理由加以解释了。所以,我们必须从制度本身,从银行信贷投向应遵循的基本 Credit investment has always been a more difficult issue in bank operations. From the traditional categorization of enterprises to the classification of industries and the direct issuance of industrial policies by the state, all failed to effectively curb the rapid growth of non-performing assets in banks. If the expansion of non-performing assets in the stock assets is attributed to the negative effects of the transition to an economic system, the risky loans that frequently occur in new incremental amounts seem difficult to explain on the above grounds. Therefore, we must follow from the system itself, the basic from the bank credit to be followed