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人民银行现行对县级联社营业部存贷款比例监管与基层次农信社监管等同起来的做法,存在弊大于利,影响了基层农信社上在县级联社超额备付金的使用,影响了县级联社为基层服务的整体功能发挥,许多资金没有用足用好,而单纯上百人民银行,这一不尽合理使用,削弱了对“三农”支持力度,也减少了农信社效益。以某县级市2000年至2002年8月情况为例(具体详见附表)。存贷款比
The current practice of the People’s Bank of equalizing the ratio of deposits and loans with the sales department of county-level joint-stock cooperatives to the supervision of grassroots-level rural credit cooperatives has more disadvantages than benefits and has affected the use of excess reserves at the county-level rural credit cooperatives in the county- Affecting the overall function of county-level service for the grass-roots services, many of them are not enough funds, but simply hundreds of people’s banks, this is not reasonable to use, weakened the “three rural” support, but also reduce the agricultural Beneficiary benefits. Take the case of a county-level city from 2000 to August 2002 as an example (see attached table for details). Deposit and lending ratio