——规定了发放贷款必须遵循的基本原则。贷款的发放和使用应当遵循效益性、安全性和流动性的原则,《贷款通则》把效益作为经营原则的第一要素。——确立了银行经营贷款的自主权。从法律上明确了商业银行独立的法人经营地位,为银行抵制不正当干预,拒绝来自各方面 - Set out the basic principles that must be followed in issuing loans. The disbursement and use of loans should follow the principle of efficiency, safety and liquidity. Loan Rules regards efficiency as the first element of operating principles. - Established the autonomy of banks in operating loans. From the legal clear commercial banks an independent legal entity management position for banks to resist improper interference, refused to come from all aspects