银行对县域贷款情况调查报告.doc

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1、银行对县域贷款情况调查报告孟州县域贷款情况调查报告银行对县域贷款情况调查报告市办：现将县域贷款情况调查汇报如下：一、当前县域贷款现状市作为农业大县，通过近年来的发展，经济规模和经济实力大呈现强劲的增长趋势，尤其是机械加工业、皮毛加工业、粮食加工业和医药化工业四大产业迅速发展壮大，成为全辖的支柱产业。经济的快速发展与金融支持密不可分。截至年12月末县域金融机构贷款余额为 亿元，比年初增加 亿元，增长 %。从新增贷款的投向来看：新增贷款主要投向于农业、养殖业、制造业等一批县域重点建设项目和中小企业的发展，有力地带动了全市经济的快速发展。从统计投放机构来看：农业、养殖业、小微型企业贷款主要投放机构以

2、农商行为主，农行为辅助的格局；邮储银行主要向个体工商户投放，有向农户投放的态势；工、中、建行主要向辖内发放个人住房按揭贷款，其次是个别大中型企业投放。二、县域贷款投放中存在的问题（一）国有商业银行机构纷纷收缩。随着国有商业银行的发展战略向大中城市转移，金融机构网点纷纷收缩，放款的权限逐级上收，资金大量流向城市，农村金融主体整体功能被削弱，已不适应农村和县域经济的发展需要，国有商业银行在乡（镇）的机构网点全部上收，县城只保留几家机构储蓄网点，以储蓄业务为主资金上存，放款权限上收，服务“三农”的力度明显减弱。（二）政策性支农作用弱化。农业发展银行开始专营农副产品收购资金的供应和管理工作，随着粮棉购

3、销市场化进程加快，农业发展银行粮棉收购贷款业务出现大幅下降，而同时亟待政策扶持的农业开发，农业技术进步及农村基础设施建设却得不到应有的政策金融支持。（三）农村金融产品较为单一，金融创新水平不高。从调查情况来看，县域金融机构提供的金融产品仍以传统的存、贷款及结算业务为主，难以与县域企业的金融服务需求相匹配。农村金融创新主要以发放农户小额信用贷款和农户联保贷款为主，仅能满足部分农户简单的种养殖业资金需求。虽然目前农村出现农业产业链拉长、经营周期扩大等情况，但很少有金融机推出相应的金融服务产品，周期较长、额度较大的融资需求与金融机构流动资金贷款之间的矛盾在一定程度上抑制了新增贷款的投入。另外，企业所

4、需的出口信用证、保函、保理、仓单质押等金融产品服务在县域金融机构无法得到满足。 三、县域贷款趋势分析 未来县域贷款增长趋势将呈现“量价齐升”的局面。从量来看，一是专业化种植、规模化养殖等农户贷款需求量仍然旺盛；二是随着产业结构调整和消费增长的加快，一大批小微型企业将会成长起来，其信贷需求将保持旺盛态势。从价来看，一方面金融机构不断强化贷款定价能力；另一方面，相对大企业，银行对中小企业的议价能力较强，在贷款需求旺盛、供给受限的情况下，定价将会呈上浮趋势。 农商行 年二月十二日结束语！祝大家学到有用的知识，提升自己的能力，实现自己的梦想，踏踏实实干好每一件事，为美好的明天而努力！16pqs3xwc

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