作为苏北经济领头羊的徐州市,近年县域经济发展迅猛,在所属6个市(县)中,已有沛县、邳州市、铜山县(现已划区)3个市(县)跨入全国百强县行列;在“引银入徐”战略指导下,包括招商、兴业、华夏、莱商等在内的一批股份制商业银行纷纷落户,金融生态极大改观。特别是传统资源型县区的沛县经济金融更加活跃,2010年GDP突破300亿元,综合实力跃居苏北五强,并被命名为“中国金融生态县”。除传统的四大商业银行外,目前沛县又成功引进了江苏银行、吴江农村商业银行,并组建了江苏省沛县汉源村镇银行。在正规金融有序发展的同时,因央行银根收紧、国家信贷调控形势的日趋紧张,民间融资愈发活跃,为了解对银行信贷业务发展可能的影响,笔者进行了深入调研,以寻求针对性的应对措施规避民间融资对银行信贷业务的冲击。 Xuzhou, a leader of Northern Jiangsu, has witnessed rapid economic development in recent years. Among the six cities (counties) under its jurisdiction, three cities (counties) across Peixian, Zhuozhou and Tongshan counties Into the ranks of the top 100 counties in the country. Under the guidance of the strategy of “introducing silver into the stock market”, a number of joint-stock commercial banks including China Merchants, Xingye, Huaxia, and Leshan settled down in succession and the financial ecology has greatly changed. Especially in the traditional resource-based counties, Peixian economy and finance are more active. In 2010, the GDP surpassed 30 billion yuan and the overall strength leapt to the top five in northern Jiangsu and was named “China’s Financial Ecology County.” In addition to the traditional four major commercial banks, Peixian has now successfully introduced Jiangsu Bank, Wujiang Rural Commercial Bank, and set up a rural bank in Peixian County, Jiangsu Province. At the same time that the formal financial orderly development, due to the tightening of central banks’ monetary policy and the increasingly tight state of credit control in the country, private financing has become more and more active. In order to understand the possible impact on the development of bank credit business, the author conducted in-depth research to seek pertinence Countermeasures to avoid the impact of private financing on bank credit business.