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近年来,湖州市金融机构将个人贷款作为贯彻落实启动内需、拓展信贷市场、促进经济金融可持续发展的重要手段,集中力量,重点发展。先后推出住房、购车、旅游、教育、耐用消费品等个人贷款,涵盖了居民生活的各个领域,较好地适应了现阶段城镇居民现代生活对银行服务的要求,同时也大大改善和优化了信贷结构,提高了信贷资产质量。个人信贷业务现状 一是个人信贷业务总量增长势头迅猛。据统计,今年1—7月全市商业银行共发放个人贷款7478笔,累计发放10.08亿元。截至2002年7月末,全市银行个人贷款余额17.76亿元,占同期全市银行贷款余额的 10.18％,比年初增加 3.27亿元,占同期全部新增贷款的19.02％。从2000年初至2002年7月底,全市商业银行个人贷款增加了13.59亿元,占同期各
In recent years, Huzhou financial institutions regard personal loans as an important means to implement domestic demand, expand credit markets and promote sustainable development of economy and finance, focusing on and focusing on their development. The Bank has introduced personal loans such as housing, car purchase, tourism, education and consumer durables, covering various fields of residential life and well adapted to the current requirements of urban residents for banking services at the present stage. At the same time, the credit structure has been greatly improved and optimized , Improve the quality of credit assets. The status quo of personal credit business First, the total personal credit business is growing rapidly. According to statistics, from January to July this year, the city’s commercial banks issued a total of 7478 personal loans, with a total payment of 1,008 million yuan. As of the end of July 2002, the personal loans of the city’s banks totaled 1,776 million yuan, accounting for 10.18% of the city’s bank loans over the same period, an increase of 327 million yuan over the beginning of the year, accounting for 19.02% of all new loans during the same period. From the beginning of 2000 to the end of July 2002, the personal loans of commercial banks across the city increased by 1.359 billion yuan, accounting for