信贷结构失衡:表现、诱因与政策建议

目前,我国金融机构的信贷结构存在着不容忽视的失衡现象,如短期资金来源与长期资金运用不匹配、贷款的地区投向差异过大、贷款的行业集中度过高等,这些问题的存在,正制约着我国经济及金融业的健康发展。因此,应通过优化金融机构的资产负债结构、构筑完善的资本市场体系、强化国家宏观调控以改变银行贷款投放的行业和地区配置等,来尽快化解这些问题。

Credit Structure Unbalance: Expression, Inducement and Policy Proposition

At present,in our country's financial credit structure there is an out-of-balance state that shouldn't be neglected;such as the outof-match of short period financial resource and the long period financial application;the over difference among the financial lending districts;the over-centralization of the lend industries.Such conditions are restricting the healthful development of our country's economy and financial industries.So,it is necessary to solve such question as soon as possible by optimizing the capital debt structure of the financial structure;completing the capital market system;strengthening the state macro-regulation,so as to change the allocation of the money-lending banks and the lending districts.