我国国有商业银行信贷的认识论和发展观

随着金融制度改革的深入，国有商业银行信贷业务的利润贡献占比逐步下降，非信贷业务收入占比不断提高。在金融市场变化加剧、市场竞争日益激烈、金融创新层出不穷的新形势下，正确认识银行信贷的一般规律及在未来商业银行经营发展中的地位、作用及发展方向，将直接关系到我国银行业改革与发展的战略和策略。本文通过对国有商业银行信贷管理制度的历史考察，及对不良贷款和信贷发展的认识，运用科学发展观，提出银行信贷在一段相当长的时期内仍是企业融资的主渠道，应逐步实现信贷业务调整，更有效地发挥好信贷在银行经营及社会融资中的主导作用，在发展中实现信贷的新跨越。

Epistemology and Concept of Development of State-Owned Commercial Banks Regarding Credit

As financial restructuring deepens, state-owned commercial banks are reaping smaller profit from credit business and bigger profit from non-credit business. Against the new situation characterized by drastic change in financial market, fiercer competition and infinite financial innovations, knowing the general rules governing banking credit and their position, role and direction in the future operation and development of commercial banks will have a direct bearing on our strategy and policy on banking reform and development. This paper, based on an examination of the history of credit management in state-owned commercial banks and knowledge of non-performing loans and credit development, believes from the point of view of scientific development that banking credit will be a main channel for enterprises to raise funds for a considerable period of time and proposes that commercial banks should make proper adjustment so that credit business can play a leading role in banking operation and social financing and make a new leap forward in credit in the course of development.