摘要
2006年12月末河南省金融机构存差已接近3000亿元。本文通过与全国、中部6省、东部4个经济发达省份对比分析发现,目前河南省金融机构的存差和存贷比是正常的。造成河南省存差不断扩大的主要原因是现行的信贷管理制度、贷款剥离与核销、金融机构资金运用多样化和企业融资渠道多元化、趋紧的宏观调控政策、不佳的金融生态环境等因素。要解决这些问题,除了大力发展地方性金融机构、有效激发银行业活力之外,还要在调整产业结构、加大金融生态环境建设力度等方面下功夫。
The gap between deposits and loans in the financial institutions of Henan province has accounted RMB 300 billion by the end of December 2006. Through the comparison of this situation as well as the depositloan ratio in Henan province with that in the whole country, also in other six provinces in the middle of China, and in the four economically developed provinces in the east of China, the author finds that the financial institutions＇ deposits and loans and the deposit-loan ratio in Henan province are balanced. The major factors that result in the gradually expanding gap between deposits and loans in Henan province are the following： the current credit management policy, loan disposition and cancellation after verification, diversification of fund application in financial institutions, multi-dimensional financing channel of enterprises, the increasingly tight macro-regulation policies, the unfavorable financial eco-environment, etc. Aside from the promotion of local financial institutions and the exploration of banks, the resolution of these problems still needs energy in adjusting industry structure, developing and improving the financial eco-environment and so on.
出处
《金融研究》
CSSCI
北大核心
2007年第10A期166-177,共12页
Journal of Financial Research
关键词
存差
存贷比
金融机构
经济发展
deposit-loan gap, deposit-loan ratio, financial institutions, economic development
