西吉县是全区少数民族大县,也是经济不发达的国定贫困县,全县46．3万人,其中回族53．1％,年财政收入仅为1803万元,农民人均纯收入P740元,经济落后,自然条件恶劣,信用环境较差。2000年末,支行不良贷款占比高达72．7％,扶贫贷款占比高达76．8％,企事业法人大额贷款占比高达66．2％,这种“三高”状况严重影响着我行的业务经营。2001年以来,支行面对困难和沉重的包袱, Xiji County is a county inhabited by ethnic minorities in the region and also a nationally poor county with an underdeveloped economy. The entire county has 463,000 inhabitants, of whom 53.1% are Muslims. The annual fiscal revenue is only 18.03 million yuan and the per capita net income of farmers is P740 yuan , Outdated economy, poor natural conditions, the credit environment is poor. As of the end of 2000, non-performing loans of the branch accounted for as much as 72.7%, poverty-relief loans as high as 76.8%, and large loans of enterprises and legal persons as high as 66.2%. This “three-high” Business management. Since 2001, sub-branches have faced difficulties and heavy burdens,