我国金融业资产品种比较单一,长期以存款和贷款为主,一般占800％以上。但近几年来却出现一种新现象:一方面存款持续大幅度增长,继续成为金融业主要资金来源;另一方面,贷款增长相对缓慢,贷款余额占存款余额的比例不断下降,存差(即存款大于贷款的差额,反之为贷差)不断扩大,1994年以前全国为贷差3000多亿元,现在存差近3万亿元。社会各界对这一现象议论纷纷,莫衷一是。江西、湖南、湖北三省存差变化趋势与全国基本一致,1998年贷差327.61亿元,2001年9月未存差1221.5亿元。若不包括政策性银行存差则达2798.2亿元。为深入了解三省存差形成原因,研究存差资金去向,提出合理使用存差资金的政策建议,近期我们组织武行分行辖内赣、鄂、湘三省赣州、十堰、襄樊、株洲四个中心支行 The types of assets in the financial industry in our country are relatively single, with long-term deposits and loans as the mainstay, accounting for more than 800% in general. However, a new phenomenon has emerged in recent years: on the one hand, deposits have continued to grow substantially and continue to be the major sources of funding for the financial industry; on the other hand, the growth of loans has been relatively sluggish. The proportion of loan balances to deposits has been declining. The difference between deposits larger than loans, on the contrary, the loan difference) has been expanding. Before 1994, the country had a loan difference of more than 300 billion yuan and the deposit difference was now nearly 3 trillion yuan. All walks of life have discussed this phenomenon in many ways. The change trend of deposit balance in Jiangxi, Hunan and Hubei provinces was basically the same as that of the whole country. In 1998, the loan difference was 32.261 billion yuan, and the non-deposit difference was 121.25 billion yuan in September 2001. If not including the policy bank deposit is 2798.2 billion yuan. In order to have a better understanding of the reasons for the deposit difference in the three provinces, study the whereabouts of the deposit funds and put forward the policy suggestions on the rational use of deposit-difference funds. Recently, we organized the Wuxing Branch to administer the four central branches of Ganzhou, Shiyan, Xiangfan and Zhuzhou in Jiangxi, Hubei and Hunan provinces