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近年来,在银行 资金供求上 出现一种令人困惑的现象:一方面,银行各项存款快速增长,信贷资金来源丰富,贷款增长速度也远远高于经济增速,银行认为不存在信贷紧缩问题;另一方面,企业界特别是中小企业普遍反映贷款困难,资金紧张,并成为制约企业发展的“瓶颈”问题。为此,我们对阜阳地区国有独资商业银行的信贷结构调整和资金供求矛盾进行了调查与分析。 一、商业银行信贷市场变化的主要特点 当前信贷市场变化的特点主要反映在两个方面。一是从外部看,曾经拥有“皇帝女儿不愁嫁”的信贷资金不再
In recent years, there has been a puzzling phenomenon in the supply and demand of bank funds. On the one hand, the rapid growth of various deposits in banks, the abundant sources of credit funds, and the growth of loans are far higher than the economic growth rate. Banks do not think there is any credit crunch On the other hand, enterprises, especially small and medium-sized enterprises, generally reflect loan difficulties and financial constraints and have become “bottlenecks” restricting their development. To this end, we conducted a survey and analysis of the credit structure adjustment and the supply and demand of funds in the wholly state-owned commercial banks in Fuyang. First, the main features of commercial bank credit market changes The characteristics of the current credit market changes are mainly reflected in two aspects. First, from the outside, once owned “the emperor daughter worry about marriage,” the credit funds no longer