旺彩四肖中特图110期

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中國普惠金融指標分析報告(2018年)

來源:人民銀行網站 發布時間:2019-10-23

旺彩四肖中特图110期  ZHONGGUORENMINYINXINGJINRONGXIAOFEIQUANYIBAOHUJU

  WEIGUANCHELUOSHI《TUIJINPUHUIJINRONGFAZHANGUIHUA(2016-2020 NIAN)》HEG20 PUHUIJINRONGCHENGGUOWENJIANYAOQIU,2016 NIANDIRENMINYINXINGJIANLILEZHONGGUOPUHUIJINRONGZHIBIAOTIXIJITIANBAOZHIDU。《ZHONGGUOPUHUIJINRONGZHIBIAOTIXI》XIANBAOHANSHIYONGQINGKUANG、KEDEXING、ZHILIANG 3 GEWEIDUGONG 21 LEI 51 XIANGZHIBIAO,QIZHONG 8GEZHIBIAO1TONGGUOWENJUANDIAOCHACAIJI2。 CONG 2018 NIANTIANBAOJIEGUOKAN,GEDIYINDIZHIYI、DUOCUOBINGJU,WEIPUHUIJINRONGFAZHANCHUANGZAOLEZHUDUOYOULITIAOJIAN,WOGUOPUHUIJINRONGJIXUWENBUFAZHAN。

  YISHIJINRONGFUWUFUGAILVJINYIBUTISHENG,JICHUJINRONGFUWUKEDEXINGJIAOGAO,TEBIESHIPIANYUANDIQUJUMINJINRONGFUWUKEDEXINGDEDAOJINYIBUGAISHAN。ERSHIJINRONGCHANPINHEFUWUCHUANGXINCHENGXIAOMINGXIAN,SHUZIJISHUYUJINRONGRONGHESUDUJIAKUAI,SHUZIPUHUIJINRONGCHANPINHEFUWUFUGAILVJINYIBUTISHENG,FUWUPUHUIJINRONGMUBIAOQUNTIDENENGLIXIANZHUTISHENG,SHUZIPUHUIJINRONGSHENGTAIBUDUANWANSHAN。SANSHIXIAOWEIQIYEJINRONGFUWUZHUANGKUANGDEDAOGAISHAN,QIYEYINXINGZHANGHUFUWULIUCHENGJIDAYOUHUA;XIAOWEIQIYERONGZIKUNNANJINYIBUHUANJIE,PUHUIKOUJINGXIAOWEIDAIKUANZENGCHANGXUNSU。SISHIXINYONGTIXIJIANSHE、JINRONGXIAOFEIJIUFENFEISUJIEJUEJIZHIJIANSHE、JINRONGZHISHIPUJIJIAOYUDENGJIXUWENBUTUIJIN。WUSHIJINRONGDUIMINSHENGLINGYU、NONGCUNDIQUDEZHICHILIDUXUJINYIBUJIAQIANG。

  一、使用情況維度

  (一)賬戶和銀行卡使用情況

  YINXINGJIESUANZHANGHUHEYINXINGKAGUANGFANPUJI,QUANGUOJINONGCUNDIQURENJUNCHIYOULIANGCHIXUWENBUZENGCHANG。JIEZHI 2018 NIANMO,QUANGUORENJUNYONGYOU 7.22 GEYINXINGZHANGHU,TONGBIZENGCHANG 9.39%;RENJUNCHIYOU 5.44 ZHANGYINXINGKA,TONGBIZENGCHANG13.08%(QIZHONGRENJUNCHIYOUXINYONGKAHEJIEDAIHEYIKA 0.49 ZHANG)。DONGBUDIQURENJUNZHANGHUHECHIKALIANGZUIGAO,ZHONGXIBULVEDI。JIEZHI 2018 NIANMO,NONGCUNDIQULEIJIKAILIGERENYINXINGJIESUANZHANGHU 43.05 YIHU,TONGBIZENGCHANG 8.55%,RENJUN 4.44 HU。JIEZHI 2018 NIANMO,NONGCUNDIQUYINXINGKAFAKALIANG 32.08YIZHANG,RENJUNCHIKALIANG 3.31 ZHANG。QIZHONG,JIEJIKA 29.91 YIZHANG,TONGBIZENGCHANG 11.13%;XINYONGKA 2.02 YIZHANG,TONGBIZENGCHANG 15.6%。

  QIYEFARENDANWEIYINXINGJIESUANZHANGHUSHULIANGCHIXUPINGWENZENGCHANG,YINXINGZHANGHUFUWUXIAOLVJINYIBUTIGAO。JIEZHI 2018 NIANMO,QIYEFARENDANWEIYINXINGJIESUANZHANGHU 4262.8 WANHU,TONGBIZENGCHANG 12.41%。2019 NIAN 7 YUE 22 RI,QUANGUOQUANMIANWANCHENGQUXIAOQIYEYINXINGZHANGHUXUKE。RENMINYINXINGZHIDAODUCUSHANGYEYINXINGTONGGUOSHELIXIAOWEIQIYEKAIHULVSETONGDAO、TUIGUANGYUYUEKAIHUFUWUDENGCUOSHI,QUANMIANYOUHUAQIYEKAIHUFUWU,TIGAOQIYEKAIHUMANYIDU。

旺彩四肖中特图110期  YINXINGKARENJUNJIAOYIBISHUCHIXUJIAOKUAIZENGCHANG。2018 NIAN,QUANGUORENJUNYINXINGKAJIAOYIBISHU 150.75 BI,TONGBIZENGCHANG 40.24%,ZENGSUBISHANGNIANGAO 11.52GEBAIFENDIAN。YINXINGKASHOULIHUANJINGCHIXUGAISHAN,SHIYONGCHANGJINGJINYIBUTUOZHAN,ZHONGXIBUSHENGFENYINXINGKASHIYONGZENGCHANGXUNSU。2018 NIAN,XIZANGZIZHIQUYOUYUHUINONGBUTIEZIJIN“YIKATONG”HEJUYOUJINRONGGONGNENGSHEBAOKADEFAFANG,YIJIGONGJIAO、TINGCHECHANGDENGBIANMINCHANGJINGDEGAIZAO,YINXINGKARENJUNJIAOYIBISHUSHIXIANJIAODAFUDUZENGCHANG。

  HUOYUESHIYONGZHANGHUYONGYOULVJIAOSHANGNIANXIAOFUTISHENG。2018 NIAN,QUANGUOYOU88.64%DECHENGNIANRENYONGYOUHUOYUESHIYONGZHANGHU3,BISHANGNIANGAO 1.58 GEBAIFENDIAN,QUANGUOSANFENZHIYIDESHENG(ZIZHIQU、ZHIXIASHI)YONGYOUHUOYUESHIYONGZHANGHUDECHENGNIANRENBILICHAOGUO 90%。NONGCUNDIQUYONGYOUHUOYUESHIYONGZHANGHUDECHENGNIANRENBILIWEI82.25%,BISHANGNIANGAO 0.81 GEBAIFENDIAN,GELEIZHUNONGBUTIETONGGUOYINXINGKAFAFANGYOUXIAODAIDONGYINXINGKADENGZHANGHUDEPUJIYUSHIYONG。RENMINYINXINGCHANGSHAZHONGXINZHIXINGZAIXIAQUNEIBUSHUKAIZHANJIAQIANGZHANGHUSHIMINGZHIJIANGUANGONGZUO,DUICUNLIANGZHANGHUKAIZHANZHANGHUQINGLI,DUISHUIMIANZHANGHUDENGBUHEGUIDECUNLIANGZHANGHUJINXINGXIAOHUCHULI,TISHENGHUOYUEZHANGHUBILI。

  (二)電子支付使用情況

  DIANZIZHIFU4JIXUJIAOKUAIFAZHAN,SHIYONGPUJILVCHIXUTISHENG。2018 NIAN,QUANGUOSHIYONGDIANZIZHIFUCHENGNIANRENBILIWEI 82.39%,BISHANGNIANGAO 5.49 GEBAIFENDIAN;NONGCUNDIQUSHIYONGDIANZIZHIFUCHENGNIANRENBILIWEI72.15%,BISHANGNIANGAO5.64GEBAIFENDIAN。

  GEDIJIJIWENTUOTUIJINYIDONGZHIFUDENGXIANDAIZHIFUGONGJUFAZHAN,QUDEJIAOHAOCHENGXIAO,TEBIESHIZHONGXIBUDIQUDIANZIZHIFUDEDAOKUAISUTUIGUANG。HENANSHENGLANKAOXIANPUHUIJINRONGGAIGESHIYANQUJINJINWEIRAO“PUHUI、FUPIN、XIANYU”SANDAZHUTI,ZHONGDIANHANGSHIPUHUIJINRONGJICHUSHESHI,CHONGFENLIYONGSHUZIJISHU,TONGGUOKAIFA“PUHUITONG APP”HEJIANLIXIANGCUNFUWUZHAN,SHIXIANXIANSHANG、XIANXIAYOUJIJIEHE,DADAOLEJIANGCHENGBEN,CUJINGZHENG、YOUXIAOGAISHANJINRONGZHANYEHUANJINGDEXIAOGUO。

  RENMINYINXINGYINCHUANZHONGXINZHIXINGZAIQUANQUTUIDONGYIDONGZHIFUBIANMINGONGCHENGJIANSHE,JIEZHI 2018 NIANMO,QUANQU 5 GEDISHIYIDONGZHIFUYINGYONGZAIGONGJIAO、YILIAO、CAICHANG、GONGGONGSHIYEDENGBADACHANGJINGQUDETUPO。RENMINYINXINGWULUMUQIZHONGXINZHIXINGDALIKAIZHANYIDONGZHIFUBIANMINSHIFANGONGCHENGJIANSHE,ZAIQUANJIANG 12 GEDI、ZHOU、SHIKAIZHANSHIDIANGONGZUO,TUIDONGYIDONGZHIFUZAIBIANMINZHIFULINGYUGUANGFANYINGYONG。RENMINYINXINGCHANGCHUNZHONGXINZHIXINGDALITUIDONG“LIANYINKUAIFU”XIANGMU,YOUXIAOZHICHILIANGSHIDENGDAZONGNONGFUCHANPINSHOUGOUSHIXIANQUANCHENGFEIXIANJINJIESUAN。

  FEIXIANJINZHIFUYEWULIANGPINGWENZENGCHANG,FEIYINXINGZHIFUJIGOUWANGLUOZHIFUYEWULIANGZENGCHANGXUNSU。2018 NIAN,QUANGUOYINXINGYEJINRONGJIGOUGONGBANLIFEIXIANJINZHIFUYEWU 2203.12 YIBI,JINE 3768.67 WANYIYUAN,TONGBIFENBIEZENGCHANG36.94%HE 0.23%。2018 NIAN,YINXINGYEJINRONGJIGOUGONGCHULIWANGSHANGZHIFUYEWU 570.13 YIBI,JINE 2126.3 WANYIYUAN,TONGBIFENBIEZENGCHANG 17.36%HE2.47%;YIDONGZHIFUYEWU 605.31 YIBI,JINE 277.39 WANYIYUAN,TONGBIFENBIEZENGCHANG 61.19% HE 36.69%,YINXINGYEJINRONGJIGOUYIDONGZHIFUYEWUJIXUBAOCHIGAOSUZENGCHANG。2018 NIAN,FEIYINXINGZHIFUJIGOUFASHENGWANGLUOZHIFUYEWU5306.1 YIBI,JINE 208.07 WANYIYUAN,TONGBIFENBIEZENGCHANG 85.05%HE45.23%。JIEZHI 2018 NIANMO,NONGCUNDIQUWANGSHANGYINXINGKAITONGSHULEIJI 6.12YIHU,TONGBIZENGCHANG 15.29%;2018 NIANFASHENGWANGYINZHIFUYEWUBISHU 102.08YIBI,YUSHANGNIANXIANGBICHENGXIAOFUZENGCHANG,JINE 147.46 WANYIYUAN,YUSHANGNIANXIANGBILVEYOUXIAJIANG。JIEZHI 2018 NIANMO,NONGCUNDIQUSHOUJIYINXINGKAITONGSHULEIJI 6.7YIHU,TONGBIZENGCHANG 29.64%;2018 NIANFASHENGSHOUJIYINXINGZHIFUYEWUBISHU93.87 YIBI,JINE 52.21 WANYIYUAN,TONGBIFENBIEZENGCHANG 3.04%、34.26%。

  (三)個人投資理財情況

旺彩四肖中特图110期  GOUMAIGUOTOUZILICAI5CHANPINDECHENGNIANRENBILICHIXUTISHENG,NONGCUNDIQUJUMINTOUZILICAIYISHITISHENGJIAOKUAI。2018 NIAN,QUANGUOPINGJUNYOU 47.81%DECHENGNIANRENGOUMAIGUOTOUZILICAICHANPIN,BISHANGNIANDIAOCHASHUIPINGGAO 1.84 GEBAIFENDIAN;NONGCUNDIQUZHEYIBILIWEI 36.11%,BISHANGNIANDIAOCHASHUIPINGGAO 3.32 GEBAIFENDIAN。

旺彩四肖中特图110期  JINGJIFADADIQUJUMINTOUZILICAIYISHIJIAOQIANG,SHANGHAI、BEIJING、TIANJIN、ZHEJIANG、JIANGSUDENGSHENG(SHI)GOUMAIGUOTOUZILICAICHANPINDECHENGNIANRENBILIJUNCHAOGUOLE 60%。ANHUISHENGWEIJINYIBUTUOKUANNONGMINTOUZILICAIQUDAO,ZAIQUANXIACHIXUKAIZHAN“GUOZHAIFUWUXIAXIANGHUODONG”,JIEZHI 2018 NIANMO,ANHUISHENGXIANYUXIAOSHOUGUOZHAI 28.77 YIYUAN,TONGBIZENGCHANG 7.47%。

  (四)個人信貸使用情況

  HUODEGUOJIEKUANDECHENGNIANRENBILIYUSHANGNIANJIBENCHIPING,ZAIYINXINGYIWAIDEJIGOU、PINGTAIHUODEGUOJIEKUANDECHENGNIANRENBILICHENGXIANGCHAJUJIAOXIAO。2018 NIAN,QUANGUOCHENGNIANRENGERENWEICHANGHUANDAIKUANPINGJUNBISHUWEI 0.51 BI,QIZHONGNONGCUNDIQUCHENGNIANRENGERENWEICHANGHUANDAIKUANBISHUWEI0.43BI,JUNYUSHANGNIANJIBENCHIPING。2018 NIAN,QUANGUOCHENGNIANRENZAIYINXINGHUODEGUODAIKUANDEBILIWEI 39.88%,NONGCUNDIQUWEI 34.62%;ZAIYINXINGYIWAIDEJIGOU、PINGTAIHUODEGUOJIEKUANDECHENGNIANRENBILIWEI 22.85%,NONGCUNDIQUWEI 21.08%。GERENXIAOFEIDAIKUANCHIXUXUNSUZENGCHANGTAISHI。JIEZHI 2018 NIANMO,QUANGUORENJUNGERENXIAOFEIDAIKUANYUEWEI 27089.4 YUAN,TONGBIZENGCHANG 19.54%。

  (五)普惠口徑小微貸款使用情況

  2018 NIAN,RENMINYINXINGXITONGLIANHEXIANGGUANBUMENCHUTAILEDUOXIANGJUCUO,YINDAOJINRONGZIYUANGENGHAOFUWUXIAOWEIQIYE,YOULIZHICHIXIAOWEIQIYEHELIDEXINDAIXUQIU,PUHUIKOUJINGXIAOWEIDAIKUANZENGCHANGXUNSU。JIEZHI 2018 NIANMO,PUHUIKOUJINGXIAOWEIDAIKUANYUE 8 WANYIYUAN,TONGBIZENGCHANG 18%,ZENGSUBISHANGNIANMOGAO 8.2GEBAIFENDIAN,QUANNIANZENGJIA 1.22 WANYIYUAN,TONGBIDUOZENG 6143 YIYUAN。

旺彩四肖中特图110期  RENMINYINXINGTIANJINFENXINGZUZHIKAIZHAN“JINRONGFUWUMINYINGXIAOWEIQIYEBAIRIXING”HUODONG,ZHIZAIDATONGZHENGCECHUANDAO“ZUIHOUYIGONGLI”。HUBEISHENGCHUTAI《SHENGRENMINZHENGFUBANGONGTINGGUANYUSHISHI“BAIWANQIANYIJINHUIGONGCHENG”SHENHUAMINYINGHEXIAOWEIQIYEJINRONGFUWUDEYIJIAN》,MINGQUEDAO 2020 NIAN,TUIDONGJINRONGJIGOUWEIQUANSHENG 100 WANHUMINYINGHEXIAOWEIQIYEXINZENGPUHUIKOUJINGDAIKUANBUDIYU 1000 YI YUAN。LIAONINGSHENGCHUANGXINTUICHU“SHENYANGSHIZHONGXIAOWEIQIYERONGZIDUIJIEPINGTAI”,ZAISHENYANGZIMAOSHIYANQUTUIGUANG“XINYONG+YINGYONG”DEZHONGXIAOWEIQIYERONGZIFUWUMOSHI。

  RENMINYINXINGYINGYEGUANLIBUHUITONGYOUGUANDANWEIYU 2018 NIAN 11 YUE 1 RICHUTAI《GUANYUJINYIBUSHENHUABEIJINGMINYINGHEXIAOWEIQIYEJINRONGFUWUDESHISHIYIJIAN》,CONGJIADAHUOBIZHENGCEZHICHILIDU、QIANGHUAZHENGCEXIETONGXIAOYING、JIANQUANJILIYUESHUJIZHIDENGFANGMIANTICHU20TIAOZHENGCECUOSHI,JIAQIANGDUIMINYINGHEXIAOWEIQIYEDEZHICHILIDU。

  RENMINYINXINGHANGZHOUZHONGXINZHIXINGHUITONGZHEJIANGSHENGGONGSHANGYELIANHEHUIZAIQUANSHENGJINRONGXITONGKAIZHAN“BAIMINGXINGCHANGJINMINQI”DAZOUFANGHUODONG,JIEZHI 2018 NIANDI,QUANSHENGGEJIRENMINYINXING、GONGSHANGLIANHEJINRONGJIGOUYIZOUFANGMINYINGHEXIAOWEIQIYE 5135JIA,SOUJIWENTI 5421 GE,YIJIEJUEHUOBUFENJIEJUEWENTI 5280 GE,WEIMINYINGQIYEJIEJUERONGZIXUQIU 448 YIYUAN。

  (六)創業擔保貸款和助學貸款使用情況

  CHUANGYEDANBAODAIKUANJIAOKUAIZENGCHANG,ZHUXUEDAIKUANPINGWENZENGCHANG。JIEZHI 2018NIANMO,CHUANGYEDANBAODAIKUANYUE 1064 YIYUAN,TONGBIZENGCHANG 22.5%。JIEZHI 2018NIANMO,ZHUXUEDAIKUANYUE 1051 YIYUAN,TONGBIZENGCHANG 13.1%。GANSUSHENGGOUJIAN“CAIZHENGZIJINQIAODONG、ZHENGFUZERENLIANDONG、JINRONGBAOZHANGTUIDONG”DEYINZHENGLIANDONGJIZHI,TONGGUOCAIZHENGTIGONGDANBAO、TIEXIHEFENGXIANBUCHANGDENGFANGSHI,CHUANGXINBINGFAZHANFUNVXIAOEDANBAODAIKUAN、SHENGYUANDIZHUXUEDAIKUANDENGPUHUIXIAOEXINDAICHANPIN,YOUXIAOTISHENGXINDAIDEKEDEXING。SHANXISHENGLVXIANKAIZHANZHUXUEDAIKUANHETONGDIANZIHUABANLIGONGZUO,DAIKUANGUANLI、FUWUSHUIPINGJINYIBUTISHENG。

  (七)農戶生產經營貸款使用情況

  NONGHUSHENGCHANJINGYINGDAIKUANPINGWENZENGCHANG。JIEZHI 2018 NIANMO,NONGHUSHENGCHANJINGYINGDAIKUANYUE 5.06 WANYIYUAN,TONGBIZENGCHANG 7.6%,ZENGSUBISHANGNIANGAO 1.1GEBAIFENDIAN。

  BUFENSHENGFENYINDIZHIYI,JIADADUIXIANGCUNZHENXINGDEXINDAIZHICHI。SICHUANSHENGCHENGDOUSHIJIJITUIDONGNONGCUNJINRONGFUWUZONGHEGAIGE,JIANSHE“SANNONG”JINRONGZONGHEFUWUPINGTAI“NONGDAITONG”,LIYONG“HULIANWANG+”FANGSHIZHENGHE“PUHUIJINRONG、XINYONGTIXI、CHANQUANJIAOYI、CAIJINZHENGCE”DENGGONGNENG,JIEZHI 2018 NIANMO,YI YOU 93 JIAYINXING、DANBAO、BAOXIANJIGOUSHANGXIAN,PINGTAIZHUCEYONGHU 1.2 WANYUHU,XIANSHANGFAFANGDAIKUAN 6403 BI、58.3 YIYUAN。RENMINYINXINGHUHEHAOTEZHONGXINZHIXINGZUZHIQUANQUJINRONGJIGOUKAIZHAN“JINRONGFUWUXIANGCUNZHENXINGZHANLVEBAIRIXING”HUODONG,HUODONGQIJIANDUIJIENONGMUYELONGTOUQIYE、JIATINGNONGMUCHANG、NONGMUMINZHUANYEHEZUOSHE、ZHONGYANGDAHUDENGXINXINGJINGYINGZHUTIHENONGMUYEQIYE 2302 HU,QIANDINGYINQIRONGZIXIEYI 275 YIYUAN,FAFANGDAIKUAN 115 YIYUAN。RENMINYINXINGNANNINGZHONGXINZHI XINGYIWUZHOUXIAQUCENXISHIWEISHIDIAN,TONGGUOZAIDAIKUANTIGONGDIXIZIJINZHICHI、DALITUIJINNONGCUNXINYONGTIXIJIANSHE、GOUJIANZHENGYINNONGGOUTONGXIEZUOPINGTAIDENGSANDACUOSHI,POCHUNONGHUDAIKUANTIZHIJIZHIXINGZHANGAI。

  (八)建檔立卡貧困人口貸款使用情況

  JIANDANGLIKAPINKUNRENKOUJIYITUOPINRENKOUDAIKUANWENBUZENGCHANG。JIEZHI2018NIANMO,JIANDANGLIKAPINKUNRENKOUJIYITUOPINRENKOUDAIKUANYUE7244YIYUAN,TONGBIZENGCHANG20.6%。RENMINYINXINGNUJIANGZHOUZHONGXINZHIXINGYI“FENPIANGONGJIAN、LIANPIANTUOPIN”DEJINRONGFUPINLINIAN,TUIDONGJINRONGJIGOUWANGDIAN、XIANDAIZHIFUFUWU、PUHUIXINDAIZHENGCEHEJINRONGZHISHIQIJINDULONGJIANGXIANG,ZHUTUIDULONGJIANGXIANGTUOPINGONGJIANHEXIANGCUNZHENXING,SHUNLISHIXIANDULONGZUZHENGZUTUOPIN。SHANDONGSHENGYICHANYEDAIDONGFUPINWEIZHONGDIAN,QIDONGYANGXINGZIJINJINGZHUNDUIJIECHANYEFUPINSANNIANZHUANXIANGXINGDONG(2018-2020NIAN),QUANNIANGONGFAFANG“YANGXINGZIJINCHANYEFUPINDAI”12.6YIYUAN,DAIDONGPINKUNRENKOU1.3WANREN。

  (九)保險使用情況

  BAOXIANMIDUYOUSUOZENGJIA。2018 NIAN,QUANGUOBAOXIANMIDUWEI 2724.49 YUAN /REN,TONGBIZENGCHANG 3.53%;BAOXIANSHENDUWEI 4.22%,BISHANGNIANDI 0.2 GEBAIFENDIAN。JINNIANLAI,SHANGHAISHIBAOXIANYEJIJICHUANGXINZHONGXIAOWEIQIYEBAOXIANCHANPINJIFUWU,ZAIZHONGDAJISHUZHUANGBEISHOUTAI(TAO)BAOXIAN、XINCAILIAOSHOUPIYINGYONGBAOXIAN、 ZHUANLIZONGHEBAOXIAN、ZHUANLIZHIYARONGZIBAOZHENGBAOXIAN、KEJIQIYECHUANGYEBAOZHENGBAOXIANDENGDUOGEXIANZHONGQUDETUPO。CIWAI,WEIZAISHANGHAIZHUCEDEKEJIXINGZHONGXIAOWEIQIYETUICHUDAIKUANBAOZHENGBAOXIAN,JIEZHI 2018 NIANMO,TONGGUODAIKUANBAOZHENGBAOXIANLEIJIWEI 1893 JIAKEJIXINGZHONGXIAOWEIQIYETIGONG 68.32 YIYUANDEDAIKUANZHICHI,SHEJIZHIZAOYE、DIANZIXINXIXINGYEDENGDUOGELINGYU。

  二、可得性維度

  (一)網點可得性

  YINXINGWANGDIANYIFUGAIJUEDABUFENXIANGZHEN,MEIWANRENYONGYOUDEYINXINGWANGDIANSHULVEYOUZENGCHANG。JIEZHI 2018 NIANMO,QUANGUOYINXINGWANGDIANXIANGZHENFUGAILV7DA 96.3%,YUSHANGNIANCHIPING;PINGJUNMEIWANRENYONGYOUYINXINGWANGDIAN 1.65 GE,TONGBILVEYOUZENGCHANG。

  QUANGUO 70%DESHENGFENYINXINGWANGDIANXIANGZHENFUGAILVYIDADAO 100%,XIZANG、QINGHAIDENGDIQUYINXINGWANGDIANXIANGZHENFUGAILVYEYOUSUOTISHENG,JINRONGFUWUBUDUANXIANGBIANYUANNONGMUQUYANSHEN。RENMINYINXINGTUIDONGFABU《YINXINGYINGYEWANGDIANFUWUJIBENYAOQIU》《YINXINGYINGYEWANGDIANFUWUPINGJIAZHUNZE》DENGGUOJIABIAOZHUN,YOUHUAYINXINGWANGDIANFUWUHUANJING,TISHENGWANGDIANFUWUXIAOLV,ZENGQIANGRENMINQUNZHONGDUIPUHUIJINRONGFUWUDEHUODEGANHEMANYIDU,QUANGUOYIYOU 60%DEWANGDIANSHIXIANDUIBIAODABIAO。RENMINYINXINGWUHANFENXINGJIANSHE“JINRONGYEJIGOUXINXIGONGXIANGXITONG”,JIYUDITUXINXIXITONG(GIS),YISHOUJI APP XINGSHI,TIGONGQUANGUOWUSHENGSHIJIN 7 WANJIAYINZHENGBAOJINRONGJIGOUDEWANGDIANQUANWEIXINXICHAXUNFUWU,YOUXIAOTISHENGSHENBIANJINRONGFUWUKEHUODEXING。RENMINYINXINGJIANGJINZHONGXINZHIXINGHUIJIXIAQU(JIANGJINQU、BISHANQU)NEIJINRONGFUWUWANGDIANDIZHIHEFUWULEIBIEDENGXINXI,ZHIZUO“JINRONGDITU”,JIEJUELEJINRONGXINXIHUOQUNANTI。

  (二)具有融資功能非金融機構可得性

  PINGJUNMEIWANRENYONGYOUJUYOURONGZIGONGNENGFEIJINRONGJIGOUSHUYUSHANGNIANJIBENCHIPING。JIEZHI 2018 NIANMO,QUANGUOPINGJUNMEIWANRENYONGYOUJUYOURONGZIGONGNENGFEIJINRONGJIGOU 0.12 GE,YUSHANGNIANCHIPING。XUDUOSHENGFENJIAQIANGDUIJUYOURONGZIGONGNENGFEIJINRONGJIGOUDEJIANGUAN,TISHENGQIFAZHANZHILIANG。

  (三)ATM、POS機具可得性

  QUANGUOMEIWANRENYONGYOUDEATMHEPOSJIJUSHUWENBUZENGJIA,SHOULISHICHANGHUANJINGCHIXUWANSHAN。JIEZHI2018NIANMO,WOGUOPINGJUNMEIWANRENYONGYOUATMJIJU7.96TAI,PINGJUNMEIWANRENYONGYOUPOSJIJU244.72TAI,TONGBIFENBIEZENGCHANG15.2%HE9.07%。RENMINYINXINGLASAZHONGXINZHIXINGJIJIZHIDAOXIAQUNEIGEYINXINGYEJINRONGJIGOUJIADADUIJICENGSHOUGONGWANGDIANDEDIANZIHUAGAIZAOLIDU,HELIBUFANGZIZHUSHEBEI,YANSHENFUWUQUDAO,KUODAZIZHUWANGDIANFUGAIHEFUWUFANWEI,XIAQUATMSHUHEPOSZHONGDUANSHUWENBUZENGCHANG。

  (四)助農取款點可得性

  ZHUNONGQUKUANFUWUDIANYIJIBENDATONGJINRONGFUWU“ZUIHOUYIGONGLI”,YUDIANSHANGRONGHEFAZHANQUDECHENGXIAO。JIEZHI 2018 NIANMO,QUANGUOGONGSHEZHIYINXINGKAZHUNONGQUKUANFUWUDIAN 86.49 WANGE(QIZHONG,JIAZAIDIANSHANGGONGNENGDE 20.61 WANGE),FUGAICUNJIXINGZHENGQU 52.2 WANGE,CUNJIXINGZHENGQUFUGAILVDA 98.23%,CUNJUNFUWUDIAN 1.63 GE。2018 NIAN,NONGCUNDIQUZHUNONGQUKUANFUWUDIANGONGBANLIZHIFUYEWU(BAOKUOQUKUAN、HUIKUAN、DAILIJIAOFEI)HEJI 4.63 YIBI,JINE 3618.69YIYUAN,YUSHANGNIANJIBENCHIPING。2018 NIAN,NONGCUNDIQUYINXINGKAZHUNONGQUKUANFUWURENJUNZHIFUYEWUBISHUWEI 0.48 BI,JIAOSHANGNIANDE 0.46 BIYOUSUOSHANGSHENG。

旺彩四肖中特图110期  RENMINYINXINGCHENGDOUFENXINGJIJITUIDONGSICHUANSHENG“ZHIFUXINGNONGGONGCHENG”,ZHUZHONGJIEJUEGANZI、LIANGSHANDENGPINKUNDIQUJICHUZHIFUFUWUQUANFUGAIWENTI,2018NIANGONGJIXIAOCHUJIZHONGLIANPIANPINKUNDIQUJICHUJINRONGFUWUKONGBAIXINGZHENGCUN801GE,ZAI2421GEYIDIBANQIANANZHIDIANSHELI3220GEFUWUDIAN,BUDUANTUIJINJINRONGFUWUFUGAI“ZUIHOUYIGONGLI”,2018NIANDIJINRONGFUWUCUNJIXINGZHENGQUFUGAILVWEI99.08%,JIAOSHANGNIANMOGAO0.2GEBAIFENDIAN。JIANGXISHENGJIJICHUANGJIAN“NONGCUNPUHUIJINRONGFUWUZHAN”,CHUBUXINGCHENGYI“CUNWEIHUI+PUHUIJINRONGFUWUZHAN”“GUDINGSHANGPU+PUHUIJINRONGFUWUZHAN”WEIZHU、“ZHUBANJIGOU+LIUDONGFUWU”WEIBUCHONGDE“SANWEIYITI”TUIJINMOSHI,“JICHUJINRONGFUWUBUCHUCUN,ZONGHEJINRONGFUWUBUCHUZHEN”DEFUWUGEJUZHUBUXINGCHENG。RENMINYINXINGCANGZHOUSHIZHONGXINZHIXINGGOUJIANQIZHINONG、HUINONG、BIANNONGDE“ZHIFULVSETONGDAO”,CANGZHOUQUANXIAPINKUNXIANZHUNONGDIANGONG3236GE,QIZHONG1809GEJIAZAILEDIANSHANGGONGNENG,YOUXIAOTUIDONGLENONGCUNDIANSHANGYUPUHUIJINRONGDESHENDURONGHE。

  三、質量維度

  (一)金融知識和金融行為

  XIAOFEIZHEJINRONGZHISHI、JINRONGXINGWEIDEFENJUNJIAOSHANGNIANXIAOFUTISHENG。QUANGUOXIAOFEIZHEJINRONGZHISHIPINGJUNDEFENWEI 6.52 FEN,JIAOSHANGNIANZENGJIA 0.12 FEN;NONGCUNDIQUJINRONGZHISHIPINGJUNDEFENWEI 5.71 FEN,JIAOSHANGNIANZENGJIA 0.19 FEN。QUANGUOXIAOFEIZHEJINRONGXINGWEIPINGJUNDEFENWEI 6.35 FEN,JIAOSHANGNIANZENGJIA 0.17 FEN;NONGCUNDIQUJINRONGXINGWEIPINGJUNDEFENWEI 5.84 FEN,JIAOSHANGNIANZENGJIA 0.27 FEN。

  CONGXIAOFEIZHEDUIJINRONGZHISHIDEZHANGWOCHENGDUKAN,XIAOFEIZHEDUICHUXU、YINXINGKA、ZHENGXINDENGFANGMIANDEZHISHIZHANGWOJIAOHAO,DANDUIXINDEJINRONGZHISHIHEJIAOFUZADEJINRONGZHISHILEJIEBUDUO,TEBIESHIDUIBAOXIAN、DAIKUANDENGZHANGWOJIAOSHAO。CONGJINRONGXINGWEIKAN,DADUOSHUXIAOFEIZHEHUILIXINGXUANZEJINRONGCHANPINHEFUWU,ZHENSHIXINYONGJILU,ZHONGSHIJINRONGJIAOYU,DANXIAOFEIZHEZAICAIWUGUIHUA、TOUZIFENGXIANCHULIFANGMIANDENENGLIRENGJIAOQIANQUE,BUFENXIAOFEIZHEFENGXIANZERENYISHIJIAORUO。

旺彩四肖中特图110期  RENMINYINXINGTONGCHOUKAIZHANJIZHONGXINGJINRONGZHISHIPUJIHUODONG,KAIZHANXIAOFEIZHEJINRONGSUYANGWENJUANDIAOCHAGONGZUO,BINGTUIDONGJIANGJINRONGZHISHINARUGUOMINJIAOYUTIXI。

  2018 NIAN,GUANGDONGSHENGCHIXUSHENRUKAIZHAN“NANYUEJINRONG CHUNFENGHUAYU”——JINRONGZHISHIJINKECHENGPUJIJIAOYUGONGZUO,LEIJIJIN 654 SUOZHONGXIAOXUE,KAIKE 2005 CI,

旺彩四肖中特图110期  SHOUYIRENSHUYUE20WANRENCI。RENMINYINXINGHAIKOUZHONGXINZHIXINGYUHAINANSHENGJIAOYUTING、DIFANGJINRONGJIANGUANJUJIJITUIDONGQUANSHENGQUANMIANKAIZHANJINRONGZHISHINARUGUOMINJIAOYUTIXIGONGZUO,JIEZHI 2018 NIANMO,HAINANSHENGYIYOU 47 SUOXIAOXUE、33 SUOCHUZHONG、 5 SUOGAOZHONGLVXIANKAIZHANJIANGJINRONGZHISHINARUGUOMINJIAOYUTIXIGONGZUO,KAISHEJINRONGJIAOYUKEDEBANJI(HANXIAOXUE、CHUZHONG、GAOZHONG、DAXUE)GONGJI 212 GE,SHOUJIAOYUXUESHENGGONGJI 11295 REN。RENMINYINXINGXININGZHONGXINZHIXINGJIJITUOZHANJINRONGZHISHINARUGUOMINJIAOYUTIXISHIDIANFANWEI,XUANZEYUSHUZHOU、GUOLUOZHOU、HAIDONGSHIZHONGXINZHIXINGXINGCHENGGEJUTESEDESHIDIANMOSHI,TONGGUO“XIAOSHOULADASHOU”,YOUXIAOTISHENGCHENGNIANRENDEJINRONGSUYANG。RENMINYINXINGWULUMUQIZHONGXINZHIXINGZAIQUANJIANGPIANYUANNONGMUQU、TUANCHANGCHUANGJIANLE 415 GEBIAOGANXING、SHIFANXINGJINRONGXUANCHUANJIAOYUJIDI,YIJI“HULIANWANG+PUHUIJINRONG”WANGLUOJINRONGZHISHICHUANBOPINGTAI,“XIANSHANG+XIANXIA”PINGTAIMEINIANMIANXIANGJICENG20YUWANQUNZHONGZUZHIKAIZHANWANYUCHANGXUANCHUAN。

  RENMINYINXINGHAERBINZHONGXINZHIXINGJIJIZUZHIXIANEIJINRONGJIGOUKAIZHAN“JINRONGZHISHIGANDAJI”DENGZHIZAITIGAONONGMINJINRONGSUYANGDEXIACHENSHIZHUTIHUODONG。

  (二)金融服務投訴

  JINRONGXIAOFEIJIUFENFEISUJIEJUEJIZHIJIANSHEQUANMIANPUKAI,TOUSUSHOULILIANGJIAO KUAIZENGCHANG,TOUSUBANJIELVCHAOJIUCHENG。2018 NIAN,RENMINYINXINGGEJIFENZHIJIGOUGONGSHOULIJINRONGXIAOFEIZHETOUSU 33824 BI,TONGBIZENGCHANG 56.52%。CONGTOUSULINGYUKAN,JINRONGXIAOFEIZHETOUSUZHUYAOJIZHONGZAIZHIFUJIESUANGUANLI(ZHANBI 38.58%)、YINXINGKA(ZHANBI 26.3%)、DAIKUAN(ZHANBI 8.13%)、ZHENGXINGUANLI(ZHANBI4.12%)、CHUXU(ZHANBI 3.88%)、DIANZIYINXING(ZHANBI 1.98%)、RENMINBIGUANLI(ZHANBI 1.96%)DENGYEWULINGYU。

  SHANDONGSHENGTUIDONGWANSHANDUOYUANHUAJIUFENJIEJUEJIZHIJIANSHE,QUANSHENG17GEDISHI、18 GEXIAN(SHI、QU)DERENMINYINXINGFENZHIJIGOUHUOJINRONGXIAOFEIQUANYIBAOHUXIEHUIYUDANGDIRENMINFAYUANJIANLILESUDIAODUIJIEJIZHI,SHIXIANLESUDIAODUIJIEJIZHIJIANSHESHENG、SHI、XIANSANJIFUGAI。RENMINYINXINGNANNINGZHONGXINZHIXINGTUIDONGSHOUGEZHONGYUEKUAJINGJINRONGXIAOFEIJIUFENSHUANGYUDIAOJIESHIJIEPAICHENGLI。RENMINYINXINGGUIYANGZHONGXINZHIXINGZAIXIAQUNEICHIXUSHENRUBUSHUKAIZHAN“PUGONGYING”JINRONGZHIYUANFUWUXINGDONG,DALIANGDEJINRONGXIAOFEIJIUFENZAIDIYIXIANDEDAOYOUXIAOHUAJIE,TUIDONGDATONGJINRONGXIAOFEIWEIQUAN“ZUIHOUYIGONGLI”。

  (三)銀行卡卡均授信額度

旺彩四肖中特图110期  YINXINGKAKAJUNSHOUXINEDUWENBUZENGCHANG。JIEZHI 2018 NIANMO,YINXINGKAKAJUNSHOUXINEDUWEI 2.24 WANYUAN,TONGBIZENGCHANG 5.66%。

  (四)信用建設

  XINYONGJIANSHEWENBUTUIJIN。JINNIANLAI,RENMINYINXINGBUDUANFENGFUWANSHANJINRONGXINYONGXINXIJICHUSHUJUKU,SHUJUKUYIFUGAISUOYOUCHIPAIJINRONGJIGOU。2018NIANMO,QUANGUOJINRONGXINYONGXINXIJICHUSHUJUKUSHOULUDEZIRANRENSHUWEI 9.8 YIREN,TONGBIZENGCHANG 3.16%,GERENXINYONGDANGANJIANDANGLVWEI 84.47%8;QUANGUOJINRONGXINYONGXINXIJICHUSHUJUKUSHOULUDEQIYEFARENSHUWEI 2582.8 WANHU,TONGBIZENGCHANG 2.84%。TONGGUOZHONGXIAOWEIQIYEHENONGCUNXINYONGTIXIJIANSHE,YILEIJIWEI261 WANHUZHONGXIAOWEIQIYEHEJIN 1.9 YINONGHUJIANLIXINYONGDANGAN。

  GEDIJIJIKAIZHANXINYONGCHUANGJIANHUODONG,TUIDONGFAHUIXINYONGZAIJINGJISHENGHUOZHONGDEZUOYONG。JIANGSUSHENGSUZHOUSHIJIANSHELE“QIYEZHENGXINJICHUSHUJUKU+SUZHOUZONGHEJINRONGFUWUPINGTAI”MOSHI,GULIZHICHIKAIFACHUNXINYONGXIANSHANGCHANPIN——“ZHENGXINDAI”,DUIDANHUXIAOWEIQIYEBUCHAO 500 WANYUANDERONGZIGUIMO,QUANBUXIANSHANGBAOPI,MIAOPIMIAODAI,XIANXIAYEBUZAIYAOQIUJIEKUANQIYETIGONGFANDANBAOJIDIYACUOSHI。JIEZHI 2019 NIAN 3 YUEMO,“ZHENGXINDAI”CHAXUNCISHUDA 68 WANCI,LEIJIFANGKUAN 3.38 YIYUAN,SHENPITONGGUOLE 209 XIANGDAIKUANCHANPINSHENQING。ZHEJIANGSHENGNINGBOSHISHANGXIANYUNXINGPUHUIJINRONGXINYONGXINXIFUWUPINGTAI,SHIXIAN“XINXICHAXUN、RONGZIDUIJIE、KEHUFAXIAN、LVYUEGUANLI”DENGJIBENGONGNENG,ZHENGHE 17 GEZHENGFUBUMEN、63 JIAJINRONGJIGOUDEJIN 4 YITIAOYOUYONGXINXI,FUGAIQUANSHIMINYINGXIAOWEIQI YEDENGGELEIZHUTI 92 WANHU,QIZHONGNONGHUXINYONGJIANDANGLVSHIXIANLE 100%QUANFUGAI。RENMINYINXINGNINGDESHIZHONGXINZHIXINGJIJICHUANGJIANQUANGUOSHOUGE“HAISHANGXINYONGYUQU”,JIANG“XINYONG”CHUANGJIANCONGLUDIXIANGHAISHANGYANSHEN,CHUANGSHE“HUANSANDOUAOXINYONGYUQU”。RENMINYINXINGTONGCHUANSHIZHONGXINZHIXINGYIYIJUNXIANWEISHIDIAN,TANSUOSHISHISHIXINPINKUNHU“DAJIANNONGHUZONGHEXINYONGXINXIPINGJIXITONG、JINGZHUNSHIBIESHIXINYUANYIN、JIANQUANWANSHANFENGXIANFENDANJIZHI、YINDAOJINRONGJIGOUZHONGSUXINDAILIUCHENG、YINDAOXINGCHENGZHENXIXINYONGDECHANGXIAOJIZHI”DE“WUBUFA”XINYONGZHONGJIANGONGZUO。

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