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云浮市近些年来经济飞速发展,目前正处于由山区经济向大中城市经济看齐的过渡阶段,这既是经济发展的黄金时期,也是各种矛盾凸显的时期。在这种经济社会转型的大背景下,云浮市的石材行业作为该市的支柱产业,其贷款融资问题已经逐渐引起政府部门和金融机构的广泛关注。本文从云浮石材行业的发展概况入手,主要围绕该行业通过银行信贷的方式融资开展深入研究,揭示了该市石材行业在银行信贷方面存在的风险偏大,银行“惜贷”等问题,并分别从石材行业和银行两方面进行原因分析,最后就云浮市石材行业的实际情况提出创建“箱式”和“伞式”信用共同体的解决对策。
The rapid economic development in recent years in Yunfu City is currently in the transitional phase from a mountainous economy to a medium and large-sized economy. This is both a golden period of economic development and a period of prominent contradictions. In this context of economic and social transformation, Yunfu stone industry as the city’s pillar industries, the loan financing has gradually attracted the attention of government departments and financial institutions. This article starts with the general situation of Yunfu stone industry and focuses on the industry through the way of bank credit financing to conduct in-depth research, revealing the stone industry in the bank credit risk is too large, the bank And from the stone industry and the bank two reasons for the analysis, the last of the stone industry in Yunfu City proposed to create “box ” and “umbrella ” credit community to solve the problem.