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从近几年经济金融运行情况看,县域金融普遍存在运行质量不高,银行“存差”逐年扩大,金融对县域经济发展贡献率较低,银行与企业信息不对称,项目对接难,中小贷款难,担保难,社会信用环境不佳,失信违约行为时有发生等问题,金融对县域经济发展的支持作用呈弱化趋势,“瓶颈”问题亟待解决。
From the perspective of economic and financial operations in recent years, the prevalence of county financial services is not high, the number of banks with “poor deposit” is expanding year by year, the contribution of finance to the development of county economy is low, the information of banks and enterprises is asymmetric, Difficulties in guaranteeing small and medium-sized loans, difficulties in guaranteeing loans, unfavorable social credit environment and frequent occurrences of default and default. The supporting role of finance in the development of county economy has been weakened. The bottleneck problem needs to be solved urgently.