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本调研报告有所侧重地分析了1-3季度西北五省区货币信贷总体形势以及背后原因,发现西北五省区与全国信贷增长走势基本同步,信贷合理需求得到满足,信贷结构趋于优化,重复建设得到遏制,宏观调控效果非常明显。在宏观调控政策下,西北五省区较好地实现了区域经济金融的协调发展。五省区各项存款继续增加,但增幅进一步趋缓,存款少增快于全国。(1)企业存款继续少增,部分企业生产资金较为紧张。(2)城乡居民储蓄存款少增较多,而且继续回落,少增幅度持续扩大。居民储蓄存款少增占各项存款少增比重相比全国要高。(3)定期储蓄少增较多,少增占比相对较高。(4)国有独资商业银行储蓄存款下降相对较多,而股份制商业银行和城市商业银行企业存款下降相对较多。五省区各项贷款增加较少,减速快于全国。(1)农业贷款一枝独秀,连续多月逆势多增。(2)短期贷款、工业贷款同比继续少增。(3)票据业务逐步规范,票据融资较年初净减少,同比少增不断扩大。(4)中长期贷款中个人中长期消费贷款少增幅度较大。(5)国有独资商业银行各项贷款少增幅度最大,少增占比远远大于其贷款余额的市场份额占比,为宏观调控立下了汗马功劳,农村信用社、国家开发银行各项贷款同比多增。(6)新疆、宁夏和陕西贷款下降相对较多。五省区现金收支两旺,轧抵后呈?
The research report has focused on the first three quarters of the five monetary and credit situation in the five northwestern provinces and the reasons behind the discovery of the five provinces and autonomous regions in Northwest China and the basic trend of credit growth synchronization credit needs to be met, the credit structure tends to be optimized, Repeated construction has been checked, the effect of macro-control is obvious. Under the macro control policies, the five northwestern provinces and municipalities have achieved a coordinated development of regional economy and finance. All deposits in five provinces and autonomous regions continued to increase, but the growth slowed down further and deposits grew less rapidly across the country. (1) Corporate deposits continued to increase less and some enterprises were more tense in production funds. (2) Savings deposits of urban and rural residents recorded a small increase less, and continued to drop, with the growth rate of less increasing continuously. Less increase in resident savings deposits accounted for the proportion of less deposits increased compared to the country. (3) less regular savings increased more, less accounted for a relatively high proportion. (4) Sovereign-owned commercial banks have relatively more savings deposits, while joint-stock commercial banks and city commercial banks have relatively lower deposits. Loans in five provinces and autonomous regions increased less rapidly and decelerated faster than the national average. (1) Agricultural loans thrived for more than a month in a row. (2) Short-term loans and industrial loans continued to increase less year-on-year. (3) Gradual standardization of bills business, bills financing net decrease from the beginning of the year, increasing less than the same period last year. (4) The medium and long-term loans to individuals in the long-term consumer loans increased less. (5) Loans of wholly state-owned commercial banks saw the least growth of growth, with the proportion of small increase less than market share of their loans outstanding, which made great contribution to the macro control. The loans of rural credit cooperatives and China Development Bank were Increase more. (6) Loans in Xinjiang, Ningxia and Shaanxi Province decreased relatively. Five provinces and autonomous regions cash receipts and payments thriving, rolling arrived after?