怀化市信贷结构与经济发展匹配情况的调查与思考

The investigation and consideration on the situation of the matching of credit structure and economic development of Huaihua city

在以间接融资为主的融资格局下,信贷结构调整对经济结构调整和地方经济发展具有重要意义。本文通过对怀化市近年来信贷结构变化的特点及其与经济发展匹配状况的研究发现,信贷结构在基本能满足地方经济社会发展要求的同时,也存在产业集中、区域集中、行业集中和期限结构失调等问题,并且针对存在的问题提出了相关对策建议。

Under the financing patteru that gives priority to the indirect financing, the adjustment of credit structure has a great significance on economic restructuring and local economic development. Based on the research of structural changes in the characteristics of credit and its relationship to match the state of economic development of Huaihua City in recent years, this paper puts forward that the credit structure can meet the requirements of economic and social development,but at the same time, there are also some issues about industrial concentration, regional concentration, industry concentration and the term structure disorders and so on, and gives some corresponding suggestions against the existence problem.