改变重贷轻收重放轻管提高经营效益范洪启，赵艾丽，苏瑞岐在传统的信贷资金管理体制下，银行是以争取客户多少，贷款规模大小作为衡量信贷工作好坏的标准。基层专业银行为了扩大经营规模，往往把信贷工作的注意力集中于跑项目、争资金，抓存款、拉客户，而忽视对贷款的调... Change the heavy loan lender Replay light tube improve the operating efficiency Fan Hongqi, Zhao Aili, Su Ruiqi In the traditional credit funds management system, the bank is based on the number of customers, the size of the loan as a measure of the quality of credit work standards. In order to expand their business scale, specialized grassroots banks tend to focus their credit work on running projects, competing for funds, grasping deposits and pulling customers while ignoring the adjustment of loans ...