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为规范和加强信贷业务管理,确保银行业信贷资金进入实体经济,以信贷结构优化促进经济结构调整,尤其是后危机时代的国内外经济形势复杂多变,对商业银行的信贷风险管理能力和审慎经营能力提出了更高要求。2009年7月,银监会出台了“三法一指引”:《固定资产贷款管理暂行
In order to standardize and strengthen credit business management and ensure that banking credit funds enter the real economy and optimize the credit structure to promote economic restructuring, especially in the post-crisis era, the domestic and international economic situations are complex and volatile. Credit credit risk management capabilities and prudence Business ability put forward higher requirements. In July 2009, China Banking Regulatory Commission (CBRC) promulgated the “Three Methods and One Guidance”: "Interim Provisions on the Management of Fixed Assets Loans