信贷业务是银行传统的主体业务,存贷利差仍然是海南银行业经营收入的重要来源。当前金融部门经营效益不佳,经营有效收入减少,其主要原因即在于信贷有效投入不足。以海南农行为例,影响和制约信贷投放的因素主要有:信用环境不佳,信贷赖于存在的基础不牢;市场营销乏力,信贷有效投放缺乏必要的载体;经营机制不 Credit business is the traditional main business of the bank. Deposit-lending spread is still an important source of revenue for Hainan’s banking industry. At present, the poor operating efficiency of the financial sector and the reduction of operating effective income are mainly due to the insufficient credit input. Take Hainan Agricultural Bank as an example, the factors influencing and restricting the credit delivery mainly include: the credit environment is not good, the credit is weak because of the existing foundation; the marketing is sluggish and the effective credit delivery lacks the necessary carrier; the operating mechanism is not