当前的经济形势仍然比较严峻,去年下半年以来的经济回落态势还在延续,今年前两个月的主要指标有升有降,但主要指标仍在回落,困难和挑战增多。金融行业对形势变化要有所准备,包括利润率下降和不良率上升后如何优化资源配置和处置不良资产。对于资金的“量宽价高”问题,前面大家分析了很多原因,还有一个原因就是资金市场是双轨的。小企业融资难、融资贵之所以难以解决,就在于小企业从大银行拿不到钱,只能通过影子银行来融资,成本就很高。这个问题需要市场化改革来解决,从根 The current economic situation is still grim. The economic downturn since the second half of last year is still continuing. The major indicators in the first two months of this year have risen and fallen, but the major indicators are still falling and the difficulties and challenges are increasing. The financial industry should be prepared for changes in the situation, including how to optimize resource allocation and disposal of non-performing assets after the profit rate declines and non-performing loans rise. There are many reasons for the above analysis of the issue of “quantity and price” of funds. Another reason is that the capital market is dual-track. Small business financing difficult, the reason why financing is difficult to solve, is that small businesses can not get money from the big banks, only through shadow banking to finance, the cost is high. This issue needs to be market-oriented reform to solve, from the root