银行收贷难、收息率低问题突出●李艳清目前，国家抽紧银根，信贷规模较少，出现贷款难现象，因而一些贷款企业既使是有钱也不愿及时还贷，怕急需资金时贷不出款来，影响生产经营。因此形成资金闲置浪费，不利于经济的发展，而不少企业产品结构不合理，生产经营管理不善，... Banks face difficulties in receiving and lending, and the rate of return is low. ● Li Yanqing At present, the state tightens monetary policy and loans have a relatively small scale. Loans are hard to repay. Some lenders even have the money and do not want to repay their loans promptly. Loan does not pay to affect the production and management. Therefore, the formation of idle funds idle, is not conducive to economic development, and many companies unreasonable product structure, poor management of production and operation, ...