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金融是现代经济的核心,资金是推动经济发展的源动力,国有商业银行作为金融业的主力军,其信贷资产的增减变化直接影响着国民经济的发展。近年来,云南省工、农、中、建4家国有商业银行由于受多种因素的影响,信贷业务出现市场份额下降、增势减缓等问题,引起了各方关注。为摸清情况,促进云南省辖内国有商业银行积极、有效地调整、优化信贷结构,提高信贷资产质量和经营效益,促进国民经济的健康快速发展,近期昆明金融监管办专门组织人员进行了研究并深入我省红河、楚雄等地进行了调研。一、1998年以来云南省国有商业银行贷款投放及市场份额变化情况(一)国有商业银行贷款市场份额下降。1998年至2001年,云南省4家国有商业银行贷
Finance is the core of the modern economy. Funding is the driving force for economic development. As the main force in the financial industry, state-owned commercial banks have a direct impact on the development of the national economy. In recent years, due to various factors, the four state-owned commercial banks in Yunnan Province have been facing concerns about the decline in market share and the slowdown in the credit market. In order to find out the situation and promote the active and effective adjustment and optimization of the credit structure of the state-owned commercial banks in Yunnan Province, improve the quality of credit assets and operational efficiency, and promote the healthy and rapid development of the national economy, Kunming Financial Supervision Office recently conducted a study of specialized personnel And in-depth study of Honghe, Chuxiong and other places in our province. I. Loan Release and Changes in Market Share of Yunnan State-owned Commercial Banks since 1998 (I) Decrease of the market share of loans to state-owned commercial banks. From 1998 to 2001, four state-owned commercial banks in Yunnan Province lent