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改革开放后,我国经济自20世纪90年代中期开始,从产品短缺阶段进入到相对过剩阶段。在它的背后,是供给相对过剩,生产能力过剩,是产业结构调整升级的信号。应该说,相对于短缺经济条件下,因供给不足形成的资本严重短缺,银行北负巨大“贷差”超负荷运行的状况,存差是一种进步,它意味着我国经济发展进入了新阶段。但是,准确掌握存差形成的原因是正确认识存差的前提。本文在对湖北省襄樊市工、农、中、建四大国有独资商业银行信贷存差形成原因进行调查分析的基础上,着重探讨在防范风险的前提下,如何拓展、营销授信业务,最终达到银行与社会双盈的目的。
Since the reform and opening up, China’s economy has started its phase of product surplus from the stage of product shortage since the mid-1990s. Behind it is the supply of relative surplus and overcapacity, signals of industrial restructuring and upgrading. It should be said that in contrast to the shortage of economic conditions, due to a serious shortage of capital caused by insufficient supply and the huge negative operating margin of the bank, the deposit balance is an improvement, which means that China’s economic development has entered into a New stage However, accurately grasp the reasons for the formation of deposit is the premise of correct understanding of deposit. Based on the investigation and analysis of the reasons for the formation of credit deposits of the four state-owned commercial banks in Xiangfan City, Hubei Province, this paper focuses on how to expand and market credit business under the precondition of risk prevention and finally reach Bank and the purpose of social surplus.