Rational Consideration on the Issue of State-owned Commercial Bank "Sparing Loan

The "sparing loan" of state-owned commercial bank has reflected series of issues such as the inferior credit circumstance, the big credit risk and the deficient management mechanism and etc. On the one hand, this kind of operation behavior is rational; on the other hand, it is uneconomical for bank and society, especially it is difficult for central bank to carry out the policy intention that will reduce the pressure of deflation through stimulating domestic needs. The keys to resolve "sparing loan" lie in deepening the reform of state-owned commercial bank, constructing perfect credit surety system and ruling society credit relations.