银行信贷结构调整实质上是对客户结构的调整。在市场经济条件下,优胜劣汰的市场法则使得企业不断处于新陈代谢之中,而且随着科技进步和产业升级的加快,企业兼并、重组、破产呈加速发展之势。因此,信贷结构的调整和优化,既是当务之急,又始终是商业银行常抓常新的课题。近几年来, Bank credit structure adjustment is essentially the adjustment of customer structure. Under the condition of market economy, the market rule of survival of the fittest makes the enterprises constantly in the metabolism, and with the progress of science and technology and the acceleration of the industrial upgrading, the merger, reorganization and bankruptcy of the enterprises are accelerating. Therefore, the adjustment and optimization of the credit structure is not only a top priority, but it is also always a common subject that commercial banks often grasp. In recent years,