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本课题报告通过对经济欠发达地区邵阳市20户贷款大户的调查研究和分析,归纳出了贷款过度集中的四个基本特征,四个方面的形成原因和四大块的负面影响。从金融宏观调控和监管、金融机构经营管理、地方政府的职能定位三个角度提出了规避贷款过度集中,防范和化解风险的政策建议,以供决策参考。
The report of this project investigates and analyzes the 20 large loan-holders in Shaoyang city, an economically underdeveloped area, and summarizes the four basic features of over-concentration of loans, the causes of the four aspects and the negative impact of the four major blocks. From the perspectives of macro-control and regulation of financial institutions, operation and management of financial institutions and the functional orientation of local governments, some policy suggestions to avoid excess concentration of loans and risk prevention and mitigation are put forward for decision-making.