近日,某金融机构负责人向笔者诉苦道,他单位的“富余”资金长期找不到稳妥的贷款对象,便只好外存、外贷与外拆,其“三外”资金九月底余额高达两亿元(其存款余额十一点五亿元,贷款余额六点五亿元);而与此同时,一些急需资金的中小企业和个人却抱怨贷款真难。 Recently, the head of a financial institution complained to the author that his unit’s “surplus” funds could not find a secure loan object for a long time, so he had no choice but to use external funds, foreign loans and foreign loans. The “three foreign funds” At the end of the month, the balance is as much as 200 million yuan (with a deposit balance of 1.15 billion yuan and a loan balance of 650 million yuan). At the same time, some SMEs and individuals in desperate need of funds have complained about the difficulty of lending.