关于专项贷款问题的思考●王福义专项贷款做为国家调整产业结构和支持重点行业上看仍是必要的，但是专项贷款仍是按计划指令分配资源，很容易造成信贷资源的错误分配，尤其是目前我国现代企业制度尚未建立健全，产权关系没有理顺，企业内部管理制约机制没有确立的情况下，专项 Reflections on the Issue of Special Loans ● The special loans granted by Wang Foyi are still necessary for the state to readjust its industrial structure and support key industries. However, special loans are still subject to the allocation of resources according to planned orders, which can easily lead to erroneous distribution of credit resources. In particular, China’s modern enterprise system has not yet been established and perfect, the property rights relationship has not been straightened out, and the internal control system has not been established, the special