求翻译：加上国有企业历史包袱沉重，导致企业资金周转不灵，信贷资金产出贡献率逐年下降，企业不能如期偿还银行贷款.这是比较直观的原因。从深层次考察。转轨时期国有企业约束机制不对称，融资结构错位，投资饥渴症，企业行为短期化等等，这些都是银行信用风险的成因。是什么意思？

With state-owned enterprises heavy historical burden, resulting in corporate cash flow problems, the contribution rate of annual decline on the output of credit funds, companies can not repay bank loans on schedule, which is relatively intuitive. Deeper level inspection. Asymmetry of the transition

正在翻译，请等待...

Adds on the state-owned enterprise history cloth wrapper to be heavy, causes the enterprise fund to be difficult of access, the credit fund delivers the technical progress factor to drop year by year, the enterprise cannot as scheduled repay the bank loan. This is the quite direct-viewing reason.Fro

With the heavy historical burden of State-owned enterprises, spirit caused cash flow problems, outputs an annual decline in the contribution rate of credit funds, enterprises can not repay Bank loans as scheduled. This is the intuitive reason. From a deeper investigation. Asymmetric constraint mecha

正在翻译，请等待...