在亚洲金融风暴与县域经济略显低迷等不利因素影响下,金融部门如何更好地服务于桃江经济一直是桃江县委、县政府积极寻求对策突破的难题。两年前,我们开始大胆探索,在益阳市首创信贷营销活动。如今,整个活动取得了显著成效,并初步形成了三个机制,即按市场规则进行资金与资源优化配置的信贷营销机制,银企相互信任、相互支持的双向对话机制,政银企紧密联系、职能清晰的协调发展机制。一、转变思路:政府主动搭台,银企积极唱戏。在计划经济体制下,银行业务几乎由政府指令进行,政府充当着调度资金的角色,银行是正府的“出纳”。而在市场经济条件下,银行走向商业化,政府必须消除对银行业务的行政干预。当时银信部门顾虑重重,“惜贷”、“怕贷”现象十分普遍。企业只能望钱兴叹,急得如热锅上的蚂蚁。2000年5月,我们组织经委、乡经委、电 Under the influence of unfavorable factors such as the Asian financial turmoil and the slight downturn in the county economy, how the financial sector better serves the economy of Taojiang has always been a challenge for Taojiang county government and county government to actively seek breakthroughs in countermeasures. Two years ago, we started to boldly explore the first credit marketing activities in Yiyang City. Nowadays, the entire activity has achieved remarkable results and initially formed three mechanisms: the credit marketing mechanism for optimal allocation of funds and resources according to market rules, the two-way dialogue mechanism in which banks and enterprises trust each other and support each other, Clearly coordinated development mechanism. First, change ideas: the government take the initiative to take the stage, banks and enterprises to sing actively. Under the planned economy, banking operations were almost directed by the government. The government acted as a means of disbursing funds. The bank was the “cashier” of the government. Under the conditions of a market economy, banks are becoming commercialized, and the government must eliminate administrative interference with banking operations. At that time, there were many concerns in the banking department. “Loaning loans” and “fear of loans” were commonplace. Enterprises can only hope the money is disappointed, anxious as hot ants on the pan. May 2000, we organize Economic Commission, Township Economic Commission, electricity