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县域资金“失血”问题较为突出,成为制约经济均衡协调发展的主要障碍。宝鸡市县域信贷资金在大量流失,信贷资金区域配置不均衡的矛盾较为突出,截至2014年9月末,县域信贷资金净流出331.36亿元,占县域存款总额的49.29%。造成县域信贷资金净流出的原因主要有:县域经济总体水平较低,对信贷资金吸附能力较弱;金融机构体系与县域经济主体配置错位,金融机构类型与客户群体结构上不均衡,市场竞争机制不健全;信贷风险防范补偿机制不健全,担保难是企
The problems of county funds and blood loss have become prominent, becoming the major obstacle to the balanced and balanced development of economy. As a result, a large number of county credit funds were lost in Baoji City and the imbalance in the allocation of credit funds was prominent. As of the end of September 2014, the net outflow of credit funds in the county reached 33.136 billion yuan, accounting for 49.29% of the total deposits in the county. The reasons for the net outflow of credit funds in counties are as follows: the overall level of county economy is relatively low, the ability to attract credit funds is weak; the allocation of financial institutions to the main body of county economy is dislocated; the structure of financial institutions is not balanced with the customer groups; the market competition mechanism Not sound; credit risk prevention and compensation mechanism is not perfect, the guarantee is difficult