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一是贷款银行难以有效了解异地企业真实的经营、财务、贷款、开户、信誉等情况,贷款投入的盲目性较大。一些资金较为富裕的银行为了提高资金使用效益,最大限度地提高资金运用效率,在本地区贷款投放不出去的情况下,就将放贷目光转向了外地。这也是产生异地贷款的一个重要成因。
First, it is difficult for the lending bank to effectively understand the real operation, finance, loans, account opening and credit conditions of the off-site enterprises. The blind investment in lending is relatively large. In order to improve the efficiency of capital utilization and to maximize the efficiency of capital utilization, some banks with more abundant funds turned their lending to the field without lending out loans in the region. This is also an important cause of loan generation in different places.