1. There are many traditional industries and few emerging industries. A considerable number of loans are deposited in traditional industries, sunset industries and long-term product enterprises with serious market demand, while high-tech industries, basic industries and government monopoly industries are rare. By the end of 20001,loans from supply and marketing cooperatives, loans from township enterprises, real estate loans and trade loans totaled 4.52 billion yuan, accounting for 29.22% of the conventional loans.
2. General loans account for a large proportion, while innovative loans account for a small proportion. At the end of 20001,the balance of low-risk loans such as discount, small pledge, personal housing and consumer loans was 632 million yuan, accounting for 3.84% of conventional loans.
3. There are more customers with low credit rating and fewer customers with high credit rating. By the end of 20001,the number of AAA customers 169, accounting for 4.48%, and the loan balance was 7.6 billion yuan, accounting for 52.72%; The number of AA customers is 53,523, accounting for 3.60%, and the loan balance is 535 million yuan, accounting for 3.71%; There were 3,468 customers with Grade A or below, accounting for 9 1.92%, and the loan balance was 6.28 billion yuan, accounting for 43.57%.
4. In fact, it is used to lay the foundation, and it is less used for turnover. A large number of working capital loans have become the basic funds of enterprises, and some working capital loans have been extended for eight years and borrowed many times.