当前保定市金融机构存差现象分析

Analysis on the Gap between Deposits and Loans of Financial Institutions in Baoding at Present

近年来保定市金融机构存差规模呈扩大趋势,存贷比不断下降。造成保定市金融机构存差不断扩大的主要原因是存款的刚性增长、有效信贷投入不足以及金融生态环境不佳等因素。要解决这些问题,需要从大力发展保定市经济、优化信贷资产结构、发展有序的资本市场体系以及优化金融生态环境等方面下工夫。

The gap between deposits and loans of financial institutions in Baoding has expanded, and the deposit-loan ratio has dropped in recent years. The major factors that result in the gradually expanding gap between deposits and loans in Baoding are the following： the rigid growth of deposits, the insufficiency of effective loans and the unfavorable financial eco-environment, etc. Aside from the vigorously development of local economy and the improvement of financial eco-environment, the resolution of these problems still needs energy in optimizing credit structure, developing an orderly capital market system and so on.