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信贷统计所反馈的信息是国家和各级金融部门进行宏观、微观决策的依据,尤其是调整信贷投向、确定信贷规模的基础。及时、真实的信贷统计信息及其正确的分析策略是金融部门进行科学经营管理的重要前提。由于受历史和当前种种原因的影响,银行信贷统计工作中存在着一些不利因素,影响着信贷政策、方案的制定。
The information fed back by credit statistics is the basis for macroscopic and micro-level decisions made by the financial sector at all levels and at all levels. In particular, it is necessary to adjust the credit orientation and determine the scale of credit. Timely and real credit statistical information and its correct analytical strategy are important preconditions for the financial sector to conduct scientific management. Due to the historical and current various reasons, there are some unfavorable factors in the credit statistics of banks, which affect the formulation of credit policies and programs.