长期以来,提起银行贷款,人们总会联系到各种国有企业及集团公司等等。过去这些企业常能较“轻松”地得到各商业银行的大额放贷,几乎是商业银行信贷资产的全部,因此也就成为我国银行业争夺的主战场。而如今,各家银行纷纷把目光投向风险相对低得多、市场潜力巨大的个人用户。银行对个人、家庭的贷款业在大幅增长,开始成为各商业银行贷款业务的一个新的增长点。 For a long time, people have always linked up with various state-owned enterprises and group companies to raise bank loans. In the past, these enterprises were able to get large lending by commercial banks more or less easily, almost all of the credit assets of commercial banks, and thus became the main battlefield for the banking industry in China. Today, however, banks are turning their attention to individual users with relatively low risks and huge market potential. Bank loans to individuals and families have risen sharply, becoming a new point of growth for the lending business of commercial banks.