2012年河南省银行业存贷下降现象有所改善，存贷规模增速明显，信贷投向与产业政策导向有效结合，信贷结构日趋合理。证券市场规模不断扩大，保险市场继续稳步有序发展，金融市场日趋活跃。但受经济下行和产业过剩等客观要素影响，银行信贷风险加剧，中小微企业贷款困难问题仍然突出，民间金融市场蕴涵风险极大。2013年河南省金融产业继续保持稳定增长势头，资金投向会明显偏好于中小微企业，金融体制改革进一步加快，金融生态环境不断改善，资本市场快速发展，为河南省中原区经济建设提供良好的金融环境和融资平台。
In 2012 the phenomenon that the amount of deposit and loan in Henan banking decreases has improved,scale of deposit and loan grows significantly, credit investment and industrial policy guide integrate effectively,the credit structure is more reasonable.The stock market continues to expand the scale,the development of the insurance market goes on steadily and orderly,the financial market is becoming more active gradually.while affected by the objective factors such as economic downturn and superfluous industry, the bank is faced with the increasing credit risk,the problem for medium and small-sized enterprises(SMEs) to loan difficultly is still outstanding and the folk financial market contains great risk. Henan financial industry will continue to maintain stability in 2013, investment funds will be in favor of SMEs obviously, the financial system reform will be accelerated further, Financial ecological environment will become improved ceaselessly and capital market will obtain rapid development,which will provide favorable financial environment and financing platform for the construction of Henan Province Zhongyuan District.
