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2008年至2016年一季度,受国际金融危机的冲击,国内产能过剩,需求严重收缩,中长期增长率持续下降。当前经济下行,外部环境严峻,信用风险正在从东部向中西部地区、从中小企业向大型企业、从核心企业向上下游产业蔓延、从信贷资产向类信贷资产蔓延。目前我省实体经济增长面临下行压力,形势不容乐观。2015年一季度经济增速仅为6.9%。为此,陕西省及时出台了多项“稳增长”措施,从二季度开始工业和投资增速逐步回升,经济增速也呈现反弹之势,2015年全年增速回升至8%。虽然经济增速呈现逐季回升态势,但总体上已经告别了过去两位数的高增长阶段,进入缓中趋稳的中高速增长阶段。实体经济是综合国力的物质基础,是一国应对风险的坚强后盾。当前如何进一步深化金融体制改革,通过金融业转型发展,来促进实体经济与中小企业的发展,这对于正确实施国家“十三五”发展战略,促进国家政治、经济安全和生产力水平的提升,具有十分重要的意义。
From the first quarter of 2008 to the first quarter of 2016, due to the impact of the international financial crisis, the domestic overcapacity and demand contracted sharply, and the medium and long-term growth rates continued to drop. The current economic downturn, the external environment is grim, credit risk is from the east to the central and western regions, from small and medium enterprises to large enterprises, from the core business to the upstream and downstream industries, from credit assets to class credit assets. At present, the province’s real economy is facing downward pressure, the situation is not optimistic. Economic growth in the first quarter of 2015 was only 6.9%. To this end, Shaanxi Province issued a number of timely “steady growth” measures. Industrial and investment growth picked up gradually from the second quarter, and the economic growth also showed a rebound trend. In 2015, the annual growth rate rose to 8%. Although the economic growth presents a quarterly upward trend, it has generally bid farewell to the high double-digit growth stage in the past and has entered a moderate-high growth phase of moderate easing. The real economy is the material basis for comprehensive national strength and the strong backing of a country in dealing with risks. How to further deepen the reform of the financial system and promote the development of the real economy and the development of small and medium-sized enterprises through the transformation and development of the financial industry is of great significance to the correct implementation of the national “13th Five-Year Plan” development strategy and promotion of national political, economic security and productivity enhancement , Has very important meanings.