The Central Bank suggested that commercial banks should optimize the loan structure , strengthen loan market and adjust loan decision , because most loans are lent to big companies and groups, which leads to high and uncontrolled risk.

• 针对目前我国商业银行在信贷业务中出现的投放过于向大企业、大集团集中和难以控制贷款发放中潜在风险的现象，人民银行提出了督促商业银行优化信贷结构、加强贷款营销以及调整贷款决策的指导性意见。