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本文阐述了扬州市县域新增存款用于当地贷款的基本情况,通过专家打分法剖析了县域新增存款用于当地贷款的影响因素,并提出了政策建议。本文通过研究认为,要从制度设计、激励措施、资源配置、评价体系、银企协调等方面下功夫,构建完善的政策引导机制,推动银行机构将县域新增存款更多用于当地贷款。
This paper expounds the basic situation of new deposits in Yangzhou city for local loans. Through expert scoring method, it analyzes the influencing factors of new deposits in local counties for local loans and puts forward policy suggestions. Based on the research, this paper argues that we should build a sound policy guidance mechanism from the aspects of system design, incentive measures, resource allocation, evaluation system and coordination between banks and enterprises so as to promote the banking institutions to use more newly-added deposits in the county for local loans.