随着我国经济结构的战略性调整和国有企业的战略性改组，迫切要求国有商业银行建立与之相适应的信贷结构调整机制。而调整信贷资产结构首先要解决的就是从低效信贷市场的退出问题。近年来，各行在这方面进行了许多有益的尝试，取得了一些显著的成果，但同时在信贷退出政策的整 With the strategic adjustment of China’s economic structure and the strategic restructuring of state-owned enterprises, state-owned commercial banks are urgently required to establish an appropriate credit structure adjustment mechanism. The first thing to be solved in adjusting the structure of credit assets is the exit from the inefficient credit market. In recent years, the various undertakings have made many useful attempts in this regard and have achieved some remarkable results. However, at the same time, in the context of the credit withdrawal policy