【摘要】：正伴隨著穩(wěn)健貨幣政策的出臺(tái)和實(shí)施,銀行信貸投放總量增速明顯放緩,信貸結(jié)構(gòu)也依據(jù)產(chǎn)業(yè)政策進(jìn)行了相應(yīng)的調(diào)整。這些政策的相繼出臺(tái),在一定程度上抑制了市場(chǎng)上資金的供給,企業(yè)、居民為彌補(bǔ)資金缺口,通過民間融資或金融中介機(jī)構(gòu)等渠道獲取資金,有效地緩解了資金不足的難題。當(dāng)前民間融資呈現(xiàn)的主要特點(diǎn)民間融資需求意愿顯著上升。所調(diào)查的30戶中小企業(yè)以及40戶個(gè)人民間借款中,截至2011年5月末,銀行貸款為47171萬元,而在穩(wěn)健貨幣政策影響下,貸款審
[Abstract]:With the introduction and implementation of the prudent monetary policy, the growth rate of the total amount of bank credit has slowed obviously, and the credit structure has been adjusted accordingly according to the industrial policy. To a certain extent, these policies have restrained the supply of funds in the market. In order to make up for the fund gap, enterprises and residents obtain funds through private financing or financial intermediary organizations, which effectively alleviates the problem of insufficient funds. At present, the main characteristics of private financing show a significant increase in private financing demand will. Of the 30 small and medium-sized enterprises surveyed and 40 individual private loans, as of the end of May 2011, bank loans amounted to 471.71 million yuan. Under the influence of sound monetary policy, loans were reviewed.
【作者單位】： 中國人民銀行松原市中心支行;
【分類號(hào)】：F832.4

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