河北省金融机构存贷差现象分析与认识

Hebei provicne financial structure depositing and loaning penomena analysis

河北省金融机构存差规模呈逐年扩大趋势,存贷比不断下降。金融机构存差不断扩大的主要原因是现行的信贷管理制度、存款的刚性增长、信贷结构不合理、企业融资渠道多元化以及金融生态环境欠佳等。要解决这些问题,除了大力发展地方经济、加强金融生态环境建设之外,还要在调整金融产品结构、加快资本市场建设等方面采取切实措施。

The gap between deposits and loans in the financial institutions of Hebei province 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 Hebei are the following： the current credit management policy, the rigid growth of deposits, unreasonable credit structure, diversified financing channels of enterprises and the unfavorable financial ecoenvironment, 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 adjusting the structure of financial product, speeding up the capital market’s construction and so on.