流动资金贷款是工商银行的主导产品,也是经营时间最长,信贷人员最熟悉的产品。20年来,由于承担了大量政策性任务和国有企业的转制成本,工商银行的流动资金贷款中产生了巨额不良贷款。但是,为什么现在的新增流动资金贷款仍然出现许多问题,收回难度大,甚至使部分信贷人员产生“贷 Working capital loans are the leading products of ICBC and the products most widely used by the credit officers for the longest duration. Over the past 20 years, Industrial and Commercial Bank of China has generated a huge amount of non-performing loans in its working-capital loans because of a large number of policy tasks and the cost of restructuring state-owned enterprises. However, why there are still many problems with the current new-working-capital loans, the difficulty of recovery is high, and some credit officers even have "loans