提高河北省银行业存贷比对策研究

河北省银行业存贷比问题可从4个方面进行纵横分析：从纵向看,2008年以前其存贷比逐年降低,2009年开始强劲回升;从横向看,其存贷比长期低于全国平均水平,2008年以前差距还在拉大;从结构看,地方银行和股份制银行存贷比高于大型银行;从可比性看,有关存贷比的4项不可比因素（剥离不良贷款、统借统还贷款、异地贷款、银行承兑汇票）确实存在,但不影响河北存贷比的纵横比较。河北银行业存贷比不高有5个主要原因：发展水平较低,信用环境不优,银行机构较少,激励约束不够,存款分流不多;提高河北存贷比有7项对策建议：用发展引贷款,靠机构增贷款,以存款换贷款,出政策奖贷款,助清收扩贷款,造舆论促贷款,促创业分存款。

Countermeasures of Enhancing the Saving and Loaning Ratio of Hebei Banking Industry

There are 4 various aspects of saving and loaning ratio questions of banking industry in Hebei province,we can compared and analyzed vertically and horizontally.From longitudinal angle,before 2008,the saving and loaning ratio of Hebei province is reducing year by year,and starting to rise again strongly in 2009.From crosswise angle,the saving and loaning ratio of the Hebei province is lower than the national average level for a long time,before 2008,the disparity is also in enlarging.Looking from the struct...