湖北半年经济观察 | 金融的“宽”与“紧”：放得宽 看得住
<section style="font-size: 17px; letter-spacing: 1px; line-height: 2; box-sizing: border-box; text-align: justify; color: rgb(62, 62, 62);"><section style="box-sizing: border-box;"><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin-top: 0cm; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: normal; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); letter-spacing: 0.544px; font-size: 14px; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; line-height: 0px; overflow-wrap: break-word !important; box-sizing: border-box;"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; color: rgb(0, 112, 192); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; font-size: 18px; text-align: justify; text-wrap-mode: wrap; background-color: rgb(231, 244, 255);">截至6月末，全省本外币各项贷款余额达到9.91万亿元，规模稳居中部第一；三项信用贷款累计投放超3100亿元。金融活水如何做到投放放得宽、风险看得住？来看记者的调研。</strong></span></span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin-top: 0cm; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: normal; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); letter-spacing: 0.544px; font-size: 14px; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; line-height: 0px; overflow-wrap: break-word !important; box-sizing: border-box;"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; color: rgb(0, 112, 192); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; font-size: 18px; text-align: justify; text-wrap-mode: wrap; background-color: rgb(231, 244, 255);"><br/></strong></span></span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin-top: 0cm; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: normal; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); letter-spacing: 0.544px; font-size: 14px; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; line-height: 0px; overflow-wrap: break-word !important; box-sizing: border-box;"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; color: rgb(0, 112, 192); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; font-size: 18px; text-align: justify; text-wrap-mode: wrap; background-color: rgb(231, 244, 255);"></strong></span></span></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent;">记者 田思鹏：</strong>说起今年上半年湖北的金融，我想用两个关键字来概括——“宽”与“紧”。先看“宽”，上半年，在三项信用贷款的助力下，湖北平均每天就有7亿元的资金在流动。再看“紧”，6月末全省存款余额接近11万亿元，同比增长8.6%，跑在了贷款前面，市场主体加杠杆更谨慎了。供给放得宽、风险看得紧，这一“宽”一“紧”是怎么做到的？我们先到一条街上去看看。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; text-indent: 2em;">记者 田思鹏：</strong><span style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; text-indent: 2em;">我现在就在湖北当下最值钱的一条街上——光谷高新大道。作为全国拥有最完整光通信产业链的地方，在今年AI算力爆发的行情下，这里的相关公司市值齐头并进，长飞光纤历史性突破3000亿，成为湖北第一家3000亿级上市公司，光迅科技也迈过2000亿大关，而烽火通信、华工科技稳稳跻身千亿市值俱乐部。正因为他们的爆发，今年上半年，武汉上市公司总市值增幅超八成，增速在全国万亿GDP城市里排名第一。</span></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; color: rgb(0, 112, 192);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent;">这条科创大道的火热态势，正是信贷“宽”的生动缩影。</strong></span>在上半年全省的账本上，科技贷款增速接近20%，绿色贷款增速超17%，涉农、县域贷款增速均高于贷款平均水平。资金持续流向科技创新、绿色产业、县域与实体经济。“宽”同样体现在融资成本上，新发放企业贷款利率同比下降14个基点。简单来说，一笔100万元贷款，一年可节省利息1400元，省下的成本直接转化为企业利润。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; color: rgb(0, 112, 192);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent;">信贷扩容之外，直接融资渠道同步拓宽。</strong></span>上半年，全省直接融资规模4210.57亿元，同比增长近两成；境内上市公司总市值突破3万亿元，AIC基金实现湖北全覆盖。投、贷、证、险、担多元金融工具齐备，覆盖企业从初创、成长到壮大的全生命周期。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; color: rgb(0, 112, 192);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent;">宏观数据背后，企业拥有最直观感受。</strong></span>黄冈一家建材企业计划扩产、急需资金。放在过去，企业必须抵押厂房、土地。如今负责人只需线上上传营业执照、财务流水，不到一小时，平台完成信用评级，最高可授信1000万元。无需实物抵押，数据就是企业信用凭证。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent;">记者 田思鹏：</strong>贷款放得宽，风险该怎么看住呢？答案就在我身旁的这块湖北省中小企业商业价值信用贷款平台上。过去银行贷款，看的更多是“砖头”、是厂房和土地；现在湖北的银行贷款，看的更多是“数据”，也就是企业的信用和商业价值。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">平台归集税务、社保、水电等13个部门政务数据以及170多亿条商业数据，为每家企业绘制动态“信用画像”，划分A、B、C、D四个信用等级。A级企业仅凭信用最高可贷1000万元。自去年4月平台上线至今，累计放款1175亿元，仅今年上半年，就为8700多家中小企业发放504亿元信用贷款。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent;">湖北省征信公司总经理 程斌：</strong>假如银行的贷款本金是100万，出现风险以后，财政可以分担50万。以前银行要是直接自己去放贷，要承担100%的风险。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><span style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; color: rgb(0, 112, 192);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent;">信贷投放之“宽”，依靠两道刚性约束筑牢风险之“紧”。</strong></span>第一道约束来自制度保障，省、市州财政按1:1配比，设立总额10亿元风险补偿资金池，设置明确红线，不良贷款率达到5%启动预警，触及8%立即暂停补偿。最大限度给企业融资机会，绝不放开风险管控口子。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent;">邮储银行黄冈市黄州区支行客户经理 黄显：</strong>现在用数据为企业精准画像，缩短了甄别企业以及流程办理的时间，再加上政府为此专门设立了风险补偿资金，风险把控有底了。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);">第二道约束来自市场主体自身选择。上半年，全省存款较年初增加7726亿元，存款增量较贷款增量多出2400多亿元。钱袋子更鼓了，抵御外部风险能力也更强了。</p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: center; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 0.5em; margin-bottom: 0.5em; padding: 0px; word-break: break-word; text-align: justify; font-size: 18px; line-height: 36px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><br/></p><p style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; margin-top: 1em; margin-bottom: 1em; padding: 0px; word-break: break-word; text-align: justify; text-indent: 2em; font-size: 18px; line-height: 2; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; text-wrap-mode: wrap; background-color: rgb(255, 255, 255);"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent;">中南财经政法大学金融学院教授 吕勇斌：</strong>这说明湖北的金融运行是合理的，宽松的流动性它并没有空转。在精准风控的前提下，沿着信用的数据，流向真正需要资金经营的企业。存款多，是居民和企业信心修复的一种表现。湖北用股权引导解决不敢投的问题，用债权增信解决贷不到的问题，用资本市场培育解决长不大的问题，用政府的有为去激活市场的有效。</p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin-top: 0cm; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: normal; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); letter-spacing: 0.544px; font-size: 14px; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; line-height: 0px; overflow-wrap: break-word !important; box-sizing: border-box;"><strong style="box-sizing: border-box; -webkit-tap-highlight-color: transparent; color: rgb(0, 112, 192); font-family: -apple-system, BlinkMacSystemFont, Helvetica Neue, Helvetica, Segoe UI, Arial, Roboto, PingFang SC, miui, Hiragino Sans GB, Microsoft Yahei, sans-serif; font-size: 18px; text-align: justify; text-wrap-mode: wrap; background-color: rgb(231, 244, 255);"><br/></strong></span></span><br/></p><section style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin-top: 0px; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgba(0, 0, 0, 0.9); font-family: PingFang SC NEW, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-size: 16px; box-sizing: border-box; overflow-wrap: break-word !important;"><section style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0.5em 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><section style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; height: 1px; background-color: rgb(160, 160, 160); line-height: 2em; overflow-wrap: break-word !important; box-sizing: border-box;"><span leaf="" style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><br style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"/></span></section></section></section><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin-top: 0cm; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: normal; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="letter-spacing: 0.544px; background-color: rgb(254, 255, 255); box-sizing: border-box;">来源：长江云</span></span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin-top: 0cm; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: normal; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px; overflow-wrap: break-word !important; box-sizing: border-box;">制作：舒畅 | </span><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); letter-spacing: 0.544px; font-size: 14px; overflow-wrap: break-word !important; box-sizing: border-box;">编辑：熊霞 | </span><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px; overflow-wrap: break-word !important; box-sizing: border-box;">责编：方军</span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin-top: 0cm; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: normal; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(136, 136, 136); font-size: 14px; letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box;"><strong style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><strong style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; overflow-wrap: break-word !important; box-sizing: border-box;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><span leaf="" style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;">出品：</span></span></strong><span leaf="" style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;">蔡甸区融媒体中心</span></span></strong></span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin-top: 0cm; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: normal; box-sizing: border-box; overflow-wrap: break-word !important;"><span leaf="" style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><br style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"/></span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin-top: 0cm; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-align: center; line-height: normal; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px; overflow-wrap: break-word !important; box-sizing: border-box;">您有新闻线索，请联系我们：</span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin-top: 0cm; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: normal; box-sizing: border-box; overflow-wrap: break-word !important;"><span leaf="" style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"><br style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; overflow-wrap: break-word !important; box-sizing: border-box;"/></span></p><p style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin-top: 0cm; margin-bottom: 0px; padding: 0px; outline: 0px; max-width: 100%; clear: both; min-height: 1em; color: rgba(0, 0, 0, 0.9); letter-spacing: 0.544px; text-wrap-mode: wrap; background-color: rgb(255, 255, 255); font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; line-height: normal; box-sizing: border-box; overflow-wrap: break-word !important;"><span style="-webkit-tap-highlight-color: rgba(0, 0, 0, 0); margin: 0px; padding: 0px; outline: 0px; max-width: 100%; letter-spacing: 0.544px; color: rgb(136, 136, 136); font-size: 14px; overflow-wrap: break-word !important; box-sizing: border-box;">投稿邮箱：2187431778@qq.com</span></p></section></section><p><br/></p><link rel="stylesheet" href="//bbs.whcdrm.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_Z8Z" id="wcn_editor_css"/>
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