论文部分内容阅读
1995年邵阳市四家国有商业银行累计发放贷款48.5亿元,年末新增19.8亿元,净增8.2亿元,增幅16.9％,年末贷款余额56.6亿元。其中工行新增9.77亿元,净增2.2亿元或9.9％;农行新增5.9亿元,净增1.7亿元或12.3％;中行新增1.2亿元,净增5712万元或21.2％;建行新增2.9亿元,净增2.3亿元或27％。从贷款结构看,年末新增贷款19.8亿元,其中短期流动资金贷款14.7亿元,占74.2％,中长期固定资金贷款3.3亿元,占16.7％。新增流动资金贷款中,工业贷款占42％,商业贷款占36％,农业贷款占5.5％,乡镇私营企业贷款占8.1％。在新增中长期固定资金贷款中,53.7％用于基本建设,46.3％用于企业技术改造。新增贷款投向基本合理合规。符合国家产业政策,突出了国营工业、农业和企业技术改造,在工业贷款中向重点骨干企业倾斜。由于贷款适度增加,贷款结构符合国家产业政策,反映在经济指标上,全市乡及
In 1995, loans from 4 state-owned commercial banks in Shaoyang City totaled 4.85 billion yuan, an increase of 1.98 billion yuan at the end of the year, a net increase of 820 million yuan or 16.9%, with a loan balance of 5.66 billion yuan at the end of the year. Of which ICBC added 977 million yuan, a net increase of 220 million yuan or 9.9%; ABC added 590 million yuan, a net increase of 170 million yuan or 12.3%; Bank of China added 120 million yuan, a net increase of 57.12 million yuan or 21.2% Add 290 million yuan, a net increase of 230 million yuan or 27%. From the loan structure, new loans 1.98 billion yuan at the end of the year, of which 1.47 billion yuan in short-term working capital loans, accounting for 74.2%, long-term fixed-capital loans 330 million yuan, accounting for 16.7%. Of the new working-capital loans, industrial loans accounted for 42%, commercial loans 36%, agricultural loans 5.5% and township private-sector loans 8.1%. Of the new long-term fixed-capital loans, 53.7% are for capital construction and 46.3% are for technological transformation of enterprises. New loans to invest in the basic reasonable and compliance. In line with the national industrial policy, highlighting the technological transformation of state-owned industries, agriculture and enterprises, leaning to key key enterprises in industrial loans. Due to a modest increase in loans, the loan structure conforms to the national industrial policy and is reflected in economic indicators,