商业银行具有信贷非均衡投放的内在动因,因此需要强化信贷均衡投放意识,加强自身信贷精细化管理,从而实现均衡投放,服务经济发展大局 Commercial banks have the inherent motivation for unbalanced credit distribution. Therefore, commercial banks need to intensify their awareness of credit equilibrium and refine their credit management so as to achieve balanced distribution and serve the overall economic development.