中国对银行信贷资金的管理,从“统收统支”、“差额管理”到“实贷实存”,特别是在促使国家专业银行向商业银行转化的过程中,信贷资金管理方法从传统的指令性方法向现代的、科学的资产负债比率管理的转化,标志着中国对银行业管理的进步,向国际惯例的靠拢。然而,国家专业银行向 China’s management of bank credit funds, from “unification,” “balance management” to “real credit,” especially in the process of promoting the transformation of state-owned commercial banks into commercial banks, the management of credit funds from the traditional The conversion of the prescriptive approach to the modern, scientific management of the gearing ratio is a sign of China’s progress in banking management, moving closer to international practice. However, the national professional bank to