当前,我国的金融监管体制不断完善,金融机构市场化改革不断深入,金融工具、业务品种层出不穷。这些新变化对金融机构的信贷行为产生了深远的影响。对此,本文结合衡水地区实际情况,选择了辖区四家国有商业银行进行了专题调查。 At present, China’s financial regulatory system has been continuously improved, the market-oriented reform of financial institutions has been deepened, and an endless stream of financial instruments and business products has emerged. These new changes have had a profound impact on the credit behavior of financial institutions. In this regard, this article combined with the actual situation in Hengshui, selected the area four state-owned commercial banks conducted a special survey.