2000年以来,各家商业银行按照《商业银行法》指引的方向,重点加大对效益高、信誉好、风险小的优良客户进行营销和增加贷款扶持;相应压缩信用等级低、信誉差、风险大的企业的贷款。但银行贷款向大企业集中有些过度,对中小企业资金供给有些不足;有些大企业集团、上市公司及其关联企业素质不高,商业银行盲目竞争向其贷款,结果带来大风险。例如2002年1月,蓝田股份涉嫌造假被强制停牌,蓝田造假案竟骗取了10家金融机构贷款达22.78亿元。此外南德、海鑫、啤酒花、德隆又给我们敲响了沉痛的警钟。 Since 2000, according to the guidelines of the “Commercial Bank Law”, commercial banks have focused on marketing and increasing loans for their excellent clients with high profit, good credit and low risk. Correspondingly, the credit rating is low, the credit is poor, the credit risk is low Big business loans. However, bank lending to large enterprises is somewhat over-centralized, providing some shortfalls in the supply of funds to small and medium-sized enterprises. Some big enterprise groups, listed companies and their affiliates are not of high quality, and commercial banks are blindly competing with them for loans. As a result, they pose a big risk. For example, in January 2002, Lam Tin shares were forcibly suspended, and frauds against Lantian actually defrauded loans from 10 financial institutions amounting to 2.288 billion yuan. In addition, South Germany, Haixin, hops, Delong gave us a sore alarm.