近几年,金融机构对县域经济的信贷投入虽然有所增加,特别是农村信用社小额农户贷款增幅较大,对农村及县域经济的发展作出了重大贡献,但随着金融体制改革的不断深入,我国商业银行逐步由分散经营转向集约化经营,普遍推行“重点行业、重点项目、重点客户” In recent years, although the credit input of financial institutions to the county economy has increased, especially that of small-scale rural households, the rural credit cooperatives have made great contributions to the economic development in rural areas and counties. However, with the continuous reform of the financial system, In-depth, China’s commercial banks gradually shift from decentralized management to intensive management, universal implementation of “key industries, key projects, key customers”