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近年来,陕西省咸阳辖区农村合作金融机构资金实力不断增强,但信贷增长缓慢,存贷比低位走低问题愈显突出。笔者剖析导致其形成的六个方面的原因,并提出了相应的政策建议。基本情况(一)存贷比多年低位徘徊。咸阳辖区农村合作金融机构存贷比多年处于低位。如2006年末存贷比最高的A联社为78.49%,最低的B联社为57.52%。2007年以后辖区各联社存贷比均低于
In recent years, the financial strength of rural cooperative financial institutions in the area of Xianyang in Shaanxi Province has been continuously enhanced. However, the problem of slow credit growth and the slowdown of the deposit-loan ratio have become increasingly prominent. The author analyzes the reasons leading to its formation in six aspects, and puts forward the corresponding policy recommendations. The basic situation (A) deposit and loan hovering than many years low. The deposit-loan ratio of rural cooperative financial institutions in Xianyang area has been at a low level for many years. For example, A’s association with the highest loan-deposit ratio at the end of 2006 was 78.49%, and the lowest B association was 57.52%. After 2007, the deposit and lending rates of all APs in the area are lower than those in the APs