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本文以贫困地区四川省巴中市为例,分析了巴中市银行5年多来信贷投放乏力对经济发展、产业结构调整等方面的影响,从巴中经济基础、国家宏观调控政策、金融生态环境和银行微观管理等层面揭示了信贷投放乏力的原因。指出国家在宏观调控中应当注意区域经济发展的不平衡,采取货币政策区域差别化、制定微观扶持政策、改善金融生态环境、完善金融服务手段和品种等措施促进贫困地区经济金融协调发展。
This paper takes Bazhong City in Sichuan Province as an example to analyze the influence of the lack of credit in Bazhong Bank over the past five years on economic development and industrial structure adjustment. Environment and micro-management of banks reveal the reasons for the lack of credit. It points out that the state should pay attention to the unbalanced development of regional economy in macro-control and adopt such measures as regional differentiation of monetary policy, development of micro-supportive policies, improvement of financial ecological environment, improvement of financial service means and varieties, and so on to promote the coordinated development of economy and finance in impoverished areas.