This is demonstrated through the shrinking of financial institutions , power shrinking and capital shrinking . the core is the decrease of loan supply to counties 县域金融萎缩表现为机构萎缩、权限萎缩和资金萎缩，其核心是县域信贷资金投放偏少。
Rual finance : is the accommodation of monetary fund in rural area , that is the process of organization , allocation , dispensing and operation of rural credit funds 农村金融：农村金融就是农村中货币资金的融通，即组织、分配、调剂、营运农村信贷资金的过程。
In future development , the western areas should optimize the collocation of credit fund and speed the adjustment of economic structure and further economic increase 在今后的发展中，西部要进一步提高信贷资金的配置效益，促进经济结构的调整和经济的进一步增长。
Commercial financing is used as public financing , mistakes in enterprise operation , and mistakes of commercial banks themselves , all these factors make the nonperforming assets of chinese banking sector 而从其成因来分析，至少有信贷资金财政化、企业经营管理以及商业银行自身三个方面的因素集合而成。
Innovate financial services and expand fund sources . improve market system and shun credit risks . guide housing consumption and better environment of credit loan 住房消费信贷资金流动性差，在缺乏贷款二级市场的情况下，贷款风险过于集中于商业银行，造成银行放贷的收益与风险不成正比，影响银行放贷的积极性。
The budget of the investment : the total investment capital is 15 million yuan rmb , self - capital is 5 million yuan rmb , the credit capital is 5 million yuan rmb , the capital importation is 5 million yuan rmb 投资预算：总投资1500万元人民币，自有资金500万元人民币，信贷资金500万元人民币，引进资金500万元人民币。
Economy rules show that in a free market , the regional loan allocation has the same trend with regional economic difference , which tend to be divergent in the first stage and then turn to be convergent 经济规律揭示，在市场条件下，银行信贷资金的地区配置同地区经济差异一样，也具有先趋异后趋同的长期变动走势。
Whereas the financial transfer payment is limited , the function of credit capital for the rural economic development is self - evident , under the situation that indirect financing is in dominant status in china 可财政转移支付毕竟有限,在中国间接融资占主导地位的情况下,信贷资金投入对农村经济发展的作用不言而喻。
With the development of commercial banks , the risk control of credit is always an important issue in the banks ’ operation . the credit management is an important mean in banks ’ risk control 众所周知,信贷业务是商业银行业务的主力军,纵观商业银行的发展过程,对信贷资金的风险管理一直是商业银行业务管理的一项重要内容。
( 3 ) based on the rural microeconomic body , i have in - depth analyzed the demander of financial products including the farmer , township and village enterprises and rural grassroots " government organization ( 3 )从农村微观经济的主体视角出发，深入分析了金融产品的需求方?农户、乡镇企业和农村基层政府组织的信贷资金需求情况。
