对当前银行信贷集中问题的调查与思考  

A few considerations about the present concentration of bank＇s credit loans according to our investigations

作　　者：杨子强[1] 崔晓芙[1] 范钊 

机构地区：[1]中国人民银行郑州中心支行,河南郑州450002

出　　处：《金融理论与实践》2001年第3期11-14,共4页Financial Theory and Practice

摘　　要：经营资金的集中、信贷管理权限的集中、信贷投向的集中是当前银行信贷集中的基本特点。信贷集中一方面反映了金融机构开始自觉以市场经济的运行机制配置资源，支持经济发展；同时又可导致信贷供求矛盾突出，不利于新的经济增长点的培养，潜在风险加大，应尽快改善这一现状。The concentration of operation funds credit management right and credit loan＇s direction are the basic characteristics in the current bank＇s credit loans concentration． In one hand it can be seen from the credit concentration that the financial institutions are able to allocate their resources based on market mechanism． On the other hand credit concentration can make the credit contradiction of supply and demand serious which is unfavorable to the cultivation of new economic growing point and causes more serious potential financial risks． Therefore we must take measures to change the condition．

关 键 词：银行业 信贷集中 成因 对策 

分 类 号：F832.4[经济管理—金融学]