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积极应对金融危机以来,县域信贷市场格局发生新的变化,突出表现在四大行分支机构业务萎缩、地方城市银行业务急速膨胀两方面。县域经济发展必须有与地方经济发展水平和产业结构相匹配的金融市场作为支撑,而这一金融市场的主体只能是地方中小金融机构。必须下放监管权力和责任,建立起与地方金融发展相匹配的地方性金融监管体系由地方在获得融资效率提高的好处同时,承担相应的风险和监管责任。可以考虑准确划分农村基础金融服务领域,对服务提供商予以营业税等方面的优惠。
Actively responding to the financial crisis, new changes have taken place in the credit market in the county area, highlighting the shrinking business of the branches of the four major branches and the rapid expansion of banking in local cities. The development of county economy must be supported by the financial market that matches the level of local economic development and industrial structure. The main body of this financial market can only be local small and medium-sized financial institutions. Local regulatory powers and responsibilities must be decentralized and a local financial regulatory system matching local financial development must be established. Local governments should take appropriate risks and regulatory responsibilities while gaining the benefits of increased financing efficiency. You can consider the accurate division of rural basic financial services, service providers to the sales tax and other benefits.