银行信贷资金是如何流失的□张玉海信贷资金是银行赖以生存和发展的资本，而信贷资产质量则是左右其生存与发展的命脉。在我国专业银行商业化改革进程中，所面临的主要问题就是银行信贷资产质量不高，信贷资金流失严重。而大量的信贷资金是从哪些渠道流失的？１历史遗留... How does the credit of the bank run out? Zhang Yuhai Credit funds are the capital that the bank depends on for survival and development. The quality of the credit assets is the lifeblood of its existence and development. In the course of the commercialization reform of the specialized banks in our country, the main problems we face are the low quality of bank credit assets and the serious loss of credit funds. And a large number of credit funds from which channels lost? 1  history left ...