作为“十五”期间经济工作主线的结构调整具有战略性、全局性、开放性的特点。当前经济结构不合理问题十分突出，需要加快调整步伐。近年来，银行信贷投向明显趋于集中，给经济发展带来了负面影响。为此，银行要优化信贷投向，突出支持重点，推动经济结构战略性调整和优化。 As a structural adjustment of the main line of economic work during the 10th Five-Year Plan period, it is characterized by its strategicness, overallness and openness. The current issue of an unreasonable economic structure is very prominent and we need to speed up the pace of adjustment. In recent years, the credit orientation of banks has obviously tended to concentrate, which has had a negative impact on economic development. To this end, banks should optimize credit orientation, give prominence to support priorities and promote strategic readjustment and optimization of the economic structure.