“优选闭合贷款法”的探索与实践

Exploration and Practice on the Optimization for Close Loan

“优选闭合贷款法”是近年来宜昌市率先探索出的一种全新的银行信贷管理办法，是确保银企“双赢”的重大制度创新。本文从分析“优选闭合贷款法”的特性入手，阐述了这一办法的内在本质和四个方面的功能效应，以及实施这一办法必须坚持的五大基本原则，并认为该办法在宜昌市实践近三年来，在改善银企关系、促进银企改革解困、调整优化经济结构和推动经济发展等方面都取得了明显成效。

Optimization for close loan is a new management method to bank loan which is first explored in Yichang. It is an important systematic innovation to ensure the “double win”of banks and enterprises. The article analyses the characteristics of optimization for close loan, set forth its internal nature and four functional effects as well as five basic principles that must be insisted in carrying out in Yichang city. The author thinks that after three years of practice, this method has achieved obvious results in improving relations between banks and enterprises, promoting reform and overcoming difficulties in regulating economic structure as well as in promoting economic development in Yichang.