随着市场经济不断深入发展,行业竞争日趋激烈,商业银行处于自身生存和发展的需要,在信贷业务领域中,就必须不断拓宽贷款的对象和贷款种类。同时,对商业银行现行的信贷管理模式也必须进行相应变革。为此,本文就此问题进行探讨。一、计划经济下银行信贷领域简况及其弊端在高度集中统一的计划经济体制下,我国银行的信贷体系长期实行的贷 With the continuous deepening of market economy and the increasingly fierce competition in the industry, commercial banks are in their own survival and development needs. In the field of credit business, commercial banks must constantly broaden the scope of loans and types of loans. At the same time, the current credit management model of commercial banks must also be changed accordingly. To this end, this article discusses this issue. First, the planned economy, the area of ​​bank credit profile and its drawbacks In a highly centralized and unified planned economy, the credit system of our long-term implementation of the loan