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商业银行要在积极配合地方政府开展债务置换的同时,积极支持政府牵头成立的各项股权投资基金,支持地方特色行业、重点企业,同时要密切关注居民消费需求扩张方向,加大研究消费信贷产品的研发。相对于政府和居民,我国非金融企业部门的负债率、杠杆率相对较高,偿债成本不断挤占经济再发展资金,使得潜在经济增长率受到压制,违约风险不断加大,积极稳妥地去杠杆是当前各级决策者切实需要解决的难题之一。
While actively cooperating with local governments in carrying out debt replacement, commercial banks should actively support various equity investment funds led by the government to support local special industries and key enterprises. At the same time, commercial banks should pay close attention to the direction of expansion in consumer demand and increase the research on consumer credit products R & D. Relative to the government and residents, the non-financial sector in our country’s debt ratio and leverage ratio are relatively high, repayment costs continue to squeeze economic development funds, making the potential economic growth rate is suppressed, the risk of default continues to increase, and actively and steadily de-leveraged It is one of the difficult problems currently facing policymakers at all levels.