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长期以来，在一些信贷人员头脑中存在着以期限论优劣的思想倾向，简单地把贷款期限与贷款风险联系起来。具体表现在工作中就是习惯于“春放秋收”，怕发放长期贷款；怕向基础设施贷款；不看生产周期，人为缩短贷款期限，到期倒约换据。这种思想给我们的经营带来很多消极影响．
For a long time, there have been some mindsets in the minds of some credit officers with the idea of a deadline. They simply linked the loan term to the loan risk. Specific performance in the work is accustomed to “Spring and Autumn Harvest,” fear of issuing long-term loans; fear of infrastructure loans; do not look at the production cycle, artificially shorten the loan period, the contract expires. This thinking has many negative effects on our business.