我国商业银行信贷行为两难

Dilemma of Credit Behavior of China' s Commercial Banks

目前,商业银行出于对控制不良贷款率的考虑,施行了信贷紧缩。但从资金融通和改善自身收入角度来看,商业银行的信贷紧缩行为又是不合时宜的。因此我国商业银行处于信贷紧缩与否的尴尬处境。

At the present, as controlling to bad loan rate was taken into account, commercial banks had tightened the credit. But seeing from perspective of financing and rising income, it is not proper to tight the credit for banks. So China's commercial banks are in dilemma: to tighten the credit or not.