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循化县是全国唯一的一个撒拉族自治县。近年来,民营经济民族经济等新的经济增长点迅速成长及扩大,对资金的需求进一步增强,但循化县人均不良贷款高于全区平均水平2.4倍之多,信用危机已经影响到金融信贷的投入和金融业的良性循环。文章针对循化县经济金融发展现状中表现出来的“企业贷款难,银行难贷款”和金融业经营困境,分析造成县域经济下滑的深层次原因,揭示循化县信用环境不良的深层次矛盾,并提出如何整治与重塑循化县良好金融生态环境的对策及建议。
Xunhua County is the only one Salar Autonomous County in the country. In recent years, the new economic growth point of the non-government economy and the national economy has rapidly grown and expanded, and the demand for capital has further increased. However, the per capita non-performing loan in Xuhua County is 2.4 times higher than the average level in the entire region. The credit crisis has affected the financial credit The investment and the virtuous circle of the financial industry. This article analyzes the deep reason of the economic decline caused by the county economy and reveals the deep level of the bad credit environment in Xunhua County in view of the difficulties of lending of enterprises and banks and the financial difficulties in the development of economy and finance in Xunhua County And put forward some countermeasures and suggestions on how to rectify and reshape the good financial environment in Xunhua County.