河南省金融业的发展现状与存在的主要问题

The Present Situation of the Development of the Financial Industry in Henan Province and the Main Problems

河南省近年来通过深化金融体制改革,分别从制度供给和实践操作层面积极鼓励金融创新,不断优化金融环境,使得包括银行、证券、保险等在内的各类金融机构的总体竞争力进一步增强。但从全国这一更为广阔的视野客观来看,河南省金融业仍然存在着诸如金融制度不完善、金融业发展与经济增长不协调、对经济增长贡献度低、金融结构不合理、金融机构效率低以及存贷款增速放缓等方面的问题。

Henan Province in recent years, by deepening the reform of the financial system, respectively, from the sys- tem of supply and practical operational level to actively encourage financial innovation, and constantly optimize the finan- cial environment, making the overall competitiveness of the various types of financial institutions, including banking, se- curities, insurance and other further enhanced. Objective look at from the broadervision of the country, Henan Province, the financial industry still exist, such as the financial system is imperfect, uncoordinated development and economic growth of the financial sector, the contribution of low economic growth, the financial structure is irrational, financial in- stitutions low efficiency, as well as deposit loan growth slowdown of the main problems.