玉林市存贷比运行特征、存在问题及对策建议——基于桂东四市比较

存贷款比例是银行业金融机构经营管理的重要指标之一,存贷比例过低不利于地方经济的发展。广西玉林市自2000年以来,存贷差逐年扩大,存贷比长期在低位徘徊,2013年存贷比在广西全区排最后一名。本文通过桂东四市（玉林市、梧州市、贺州市、贵港市）经济金融主要指标对比,分析玉林市银行业金融机构存贷比运行特征,揭示造成玉林市低存贷比的原因,提出提高存贷比的相关措施以及科学合理看待存贷比的建议。

The Operating Characteristics and Problems of the Loan-todepositratio and Countermeasures

The Loan-to-depositratio is an important indicator of the operation in the banking institutions, the low Loan-to-depositratio is not conducive to the local economic development. The Deposit-loan gap in Yulin has increased each year since 2000, the Loan-to-depositratio in long-term is at low level, the Loan-to-depositratio ranked the last one in Guangxi in 2013. The paper compares with the main indicators of the economy and finance between Guidong four cities, and analyzes the characteristics of the Loan-to-depositratio in the banking institutions in Yulin, then reveals the problems of the lowe Loan-to-depositratio in Yulin.At last, it puts forward some relevant measures and suggestions to improve the Loan-to-deoositratio.