【摘要】 目前,高额储蓄存款的背后存在着诸如分布不均衡、收入差距不断增大、居民消费需求不足等问题,商业银 行应从改革信贷体制、调整信贷结构、实现信贷资产多样化以及健全激励约束机制等入手,改变“惜贷”、不合理运 用资金的现状,积极有效地运用储蓄存款,为经济发展服务。更多还原

【Abstract】 At present, such problems exist as unbalanced distribution, enlarging income gap, insufficient household consumption demand, etc. while there is a huge amount of savings deposit, commercial banks should take such measures as reforming loan regime, adjusting loan structure, realizing loan assets diversification, consummating incentive and constraint mechanism, to change the situation of "cherishing loan" , and unsuitable exploitation of funds into a positive, effective use of savings deposit for economic development.更多还原