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银行业竞争和科技的进步,为贷款异地流动创造了条件。规模不断扩大的异地贷款在促进银行业务发展的同时,缓解了贷款流入地区经济发展所需资金的问题,对促进贷款流入地区经济发展的作用明显。同时,贷款的异地流动对银行业监管也提出了新的课题。本文以山西晋城为考察对象,对贷款的异地流动现象作一分析,探讨贷款异地流动对区域信贷市场所带来的影响。
Banking competition and advances in technology have created the conditions for loans to flow in different places. The expanding non-local loans have not only promoted the development of banking business, but also alleviated the problem of lending to the funds required for regional economic development, and played an obvious role in promoting the inflow of loans to regional economic development. At the same time, the non-local flow of loans has also raised new issues for banking regulation. This article takes Shanxi Jincheng as the object of study, and analyzes the phenomenon of the floating loans in different places, and explores the impact of loans flowing in different places on the regional credit markets.