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在经济欠发达地区企业贷款难,银行难贷款现象还十分普遍,其主要原因是:1.信贷投放与地方经济发展难以找到新的契合点。近年,国有商业银行信贷投入与国家产业政策导向目标衔接越来越紧密,各家银行信贷投放的重点是围绕国家产业政策支持和鼓励发展的方向进行的。欠发达地区由于现有产业、产品结构多为国家淘汰和限制类型,在寻求信贷支持时相当被动。2.信贷有效信贷需求不足。经济决定金融,金融促进经济,二者相互制约,又相辅相承,不合
In the economically underdeveloped areas of corporate loans is difficult, the phenomenon of bank loans is still very common, the main reasons are: 1. Credit and local economic development is difficult to find a new meeting point. In recent years, the credit input of state-owned commercial banks has become more and more closely linked with the national industrial policy-oriented goals. The focus of various banks’ credit distribution centers on the direction of national industrial policy support and encouragement of development. Underdeveloped areas Due to the existing industries, the product mix is mostly of the national phase-out and restriction type, rather passive in seeking credit support. 2. There is not enough credit demand for credit. Economic decision-making financial and financial promotion of the economy, the two mutual restraint, but also each other, substandard