The Problems And Solutions To Shijiazhuang City Commercial Bank Difference Of Deposit And Loan Gap

Commercial bank deposit difference occurs in Hebei province began from 1994, which is increasing at a speed of one hundred billion Yuan a year. The expansion of difference of deposit and loan also gradually aroused people’s attention. Commercial Banks keep liquidity within a certain range is good, but the gap is too large to produce a lot of adverse effects. Capital spare reduce the efficiency of the use of money, which is not conducive to the health development of economy, and also has a certain influence on the effective of implementation of monetary policy.In this paper, combining with the current difference of deposit and loan gap of Shijiazhuang,which is big enough,,and through the combination of qualitative analysis and quantitative analysis methods to analysis and research our current gap phenomenon. This paper mainly divided into the following several aspects: First,we should look into the current commercial bank loan difference background of Shijiazhuang,combined with the related concepts and theories of poor loan,and we should fully understand the current research achievements at domestic and abroad about the gap. At the basis of this,we can to explore the reason for the difference of commercial bank loan problems in Shijiazhuang.The second is on the basis of understanding the reason of commercial bank deposit problems in Shijiazhuang; we can find the possible adverse effect on many considerations, and the possible adverse effect with the actual combination of Shijiazhuang. Finally,based on the analysis above, which we can to put forward some Suggestions to solve the problem of Shijiazhuang’s commercial bank deposit. Firstly, for the government, which should be improve the construction of the social credit system and build the communication platform between banks and corporations,that means to expand people’s investment channels. Secondly,commercial Banks should strengthen their innovation ability,promote the diversification of business and promote the development of loan marketing. Last but not least, enterprises should have a long-term vision about innovation and research, which can promote the development of the company.Moreover, seting up the good prestige and improving the competitiveness of the industry is also important. Through the joint efforts of the government, the commercial bank, and the enterprise, this can promote the development of the city economy and the optimization. Besides,it can also upgrade the industrial structure, improve the service efficiency of funds of commercial Banks, in order to solve the Shijiazhuang’s commercial bank deposit phenomenon fundamentally.