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专业银行向商业银行转轨是我国金融体制改革的既定方针。这一转轨无疑对专业银行提出了新的要求,也带来了新的机遇。现就转轨中基层专业银行信贷工作中存在的薄弱环节和需要解决的问题做一探讨。一、目前基层专业银行信贷工作中存在的薄弱环节与商业银行经营理论原则相对照,目前基层专业银行信贷工作中存在下列薄弱环节。
The transition from a specialized bank to a commercial bank is an established guideline for China’s financial system reform. This transition undoubtedly set new demands on specialized banks and brought about new opportunities as well. Now we are discussing the weak links in the credit work of grass-roots specialized banks in the transition and the problems to be solved. First, at present, the weak links in the credit work of grassroots specialized banks are in contrast with the business management principles of commercial banks. At present, the following weak links exist in the credit work of specialized grassroots banks.