一、多存少贷的表现及其成因根据中国人民银行发布的统计数据,截止到2002年12月末,全部金融机构各项人民币存款(含外资机构)余额为18.3万亿元,全部金融机构人民币各项贷款(含外资机构)余额为14万亿元,存差(即存款余额与贷款余额的差)为43万亿元,占2002年GDP102398亿的42%。如此 First, the performance of multiple deposits and less and its causes According to statistics released by the People’s Bank of China, as of December 2002 end of all the financial institutions of RMB deposits (including foreign-funded institutions) balance of 18.3 trillion yuan, all financial institutions in RMB The outstanding balance of various loans (including foreign-funded institutions) was 14 trillion yuan, with a deposit deficit of 43 trillion yuan (ie, the difference between the balance of deposits and the loan balance), accounting for 42% of the 102,039.8 billion yuan of GDP in 2002. in this way