培育优质高效的信贷载体,退出低效的信贷客户,是银行商业化经营的重要环节。低效客户的信贷退出,对于优化信贷资源配置、规避信贷资金风险、提升银行效益都具有十分重要的现实意义和深远的历史意义。为此,本文就欠发达地区银行对低效客户的信贷退出谈点看法,愿与行家商榷。欠发达地区银行客户现状分析目前欠发达地区银行客户及信贷资金占用大致情况:一是客户的数量比 Cultivating a credit vector of high quality and efficiency and withdrawing inefficient credit customers is an important part of the commercialization of the bank. The withdrawal of credit from inefficient clients has very important practical significance and far-reaching historical significance for optimizing the allocation of credit resources, avoiding the risk of credit funds and enhancing the bank’s efficiency. Therefore, this article is about the banks in underdeveloped areas of low-cost customers to withdraw from the credit point of view, is willing to discuss with experts. Analysis of bank customers in underdeveloped areas Current situation of bank customers and credit funds in underdeveloped areas: First, the number of customers than