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产业类项目信贷需求的减少,表明上海经济增速已放缓,银行信贷资源外流上海银行业信贷投放增速正持续下降。据有关统计数据,今年前4个月,上海市金融机构人民币贷款同比少增755亿元,增速下降约4.9个百分点。上海的银行业平均存贷比为57%,低于全国65%的水平,这意味着上海吸收的存款有可能转移至其他地方。这不是央行收紧流动性、紧缩货币政策这个单
The reduction of credit demand for industrial projects shows that Shanghai’s economic growth has slowed down and that the credit growth of banks in Shanghai has been declining continuously. According to relevant statistics, RMB loans of financial institutions in Shanghai increased by 75.5 billion yuan less than the same period of last year, a deceleration of 4.9 percentage points over the first four months of this year. Shanghai’s average bank-to-bank loan-to-deposit ratio is 57%, below the national average of 65%, which means that deposits in Shanghai are likely to be transferred elsewhere. This is not a single step by which the central bank tightens liquidity and tightens monetary policy