非生产流通领域的信贷需求情况如何？贷款质量如何？非生产流通领域能否成为近期银行信贷业务收入的新的增长点？非生产流通领域直接到银行贷款有何利弊？如果利大于弊，那么制约此项业务开展的因素何在？带着诸多的问题，我们深入到商业银行、城乡信用社和部分社会团体、事业? How about credit demand in non-production circulation? How is the loan quality? Can the non-production circulation field become a new growth point for the income of the bank’s credit business in the near future? What are the pros and cons of bank loans directly to non-production and circulation areas? If the benefits outweigh the disadvantages, what are the factors restricting this business? With so many questions, we go deep into the commercial banks, urban and rural credit cooperatives and some social groups and businesses?