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张家口分行针对信贷资产行业分布集中,特别是轻工、机械、纺织等行业贷款占总额的55%,造成行业结构风险的状况,下大力进行信贷结构调整。他们在全行确立了“三三三一”的信贷结构调整目标,即使生产企业占贷款总额30%,商贸企业占30%,公用事业单位占30%,消费贷款占10%。采取了发展一批、支持一批、维持一批、盘活一批、清收一批、核销一批的“六个一批”调整战略。把新增客户重点放在“两高两外”和公用事业单位,“两高”即高校产业和高科技网络产业,“两外”即外商投资企业和经营正常的外贸企业。
Zhangjiakou Branch focused on the distribution of credit asset industries, especially the light industry, machinery, textile and other industries accounted for 55% of the total loans, resulting in the status of the industry structural risk, vigorously carry out credit structure adjustment. They set the goal of adjusting the credit structure of “3333” at all levels, even though the manufacturing enterprises account for 30% of the total loans, 30% for commerce and trade enterprises, 30% for public utilities and 10% for consumer loans. It has taken the strategy of “developing one batch, supporting one batch, maintaining one batch, revitalizing one batch, clearing up one batch, and verifying a batch of” six batches “of adjustment strategies. The new customer focus on ”two highs and twos “ and the public utilities, ”two high “ that is, the university industry and high-tech network industry, ”two outside " that foreign-invested enterprises and the operation of normal foreign trade enterprise.