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本文立足国有商业银行信贷萎缩问题 ,以湖南省西部城市怀化市作典型分析 ,探讨国有商业银行实行集约化经营以来在经济欠发达地区出现信贷萎缩的原因 ,并寻求对策。主要结论有 :一、国有商业银行的信贷萎缩与地方经济发展的矛盾实质是市场机制作用失灵和功能缺陷的表现 ,是商业化改革和诸多外部因素共同作用的结果。二、现阶段必须由政府进行综合调控 ,改善外部环境。
Based on the problem of shrinking credit of state-owned commercial banks and the typical analysis of Huaihua city in western Hunan province, this paper explores the causes of credit contraction in economically underdeveloped regions since the state-owned commercial banks implemented intensive management and seeks solutions. The main conclusions are as follows: First, the contradiction between the shrinkage of credit of state-owned commercial banks and the development of local economy is essentially the failure of market mechanism and the manifestation of functional deficiencies. It is the result of the commercialization reform and many external factors. Second, at this stage, the government must comprehensively control and improve the external environment.