“十五”期间中国信贷市场发展展望

Perspective of the Development of China's Credit Market in “Tenth-Five” Period

“十五”期间，我国金融机构贷款总量将继续增长，但增幅有所回落，贷款在企业资金来源中所占的比重与贷款占金融机构资产总额的比重将趋于下降。贷款结构趋于优化，不良贷款比率趋于下降，非国有企业贷款和外币贷款的比重快速上升。信贷市场与证券市场的关系日趋紧密，信贷资产证券化趋势增强。

In the “Tenth-Five' Period, Credit aggregate of China's financial institutions will continue to increase, but at lower speed. Credit will account for less of corporate capital sources and financial institutions' assets. Credit sturcture tends to be bettered; in the meanwhile, t he ratio of non-performing loans is falling as the proportions of non-SOE loans and foreign currency loans rising sharply. Credit market becomes more closely co nnected with stock market, thus seeing more and more securitization of credit as sets.