随着市场经济的逐步深化,中、小城市的产权制度改革如火如荼,商业企业基本完成了民营、股份制改造,仅存的为数不多的国有工业、流通等企业效益好的屈指可数。这种形势给基层金融机构的经营带来了很大的困难,出现了好项目难找,好客户难寻的贷款难的尴尬局面,盈利能力降低、生存能力下降。怎么办?“穷则思变,变则通,通则久”。市场经济这只看不见的手已经向我们发出了召唤,金融改革、创新已经迫在眉睫。 With the gradual deepening of the market economy, property rights reform in medium and small cities is in full swing. Commercial enterprises have basically completed their private-owned and joint-stock reform and only a handful of state-owned industries are in existence. This situation has brought great difficulties to the operation of grassroots financial institutions, resulting in the awkward situation of hard-to-find projects and hard-to-find loans for customers, reducing their profitability and reducing their viability. What to do? “Poor then change, change through, general rule for a long time.” The invisible hand of the market economy has already sent us calls, and financial reforms and innovations are imminent.