三拍、三不与异地作官程建平时下，银行正逐步向商业化转轨。一个地方和企业唯有增强效益、利息、还款观念，才能适应这一转轨。而要使这一转轨顺畅，首先需要诊治几种曾流行过的＂怪病＂。一种怪病是：负盈不负亏，曾借不管还，债多不压身。另一种怪病是：定项目时拍脑袋... Three beats, three do not and off-site for official Cheng Jianping nowadays, banks are gradually transition to commercialization. Only by strengthening the benefits, interest and repayment concepts of a place and an enterprise can a country and economy adapt to this transition. And to make this a smooth transition, we must first diagnose and cure several kinds of “strange diseases” that have been prevalent. A strange disease is: negative profit and loss, had no choice but to return, the debt is not over. Another strange disease is: scheduled projects racking his head ...