This paper aims at analyzing fund procurement and operation of banks in Yingkou city, Liaoning Province, China. The results are as follows. First of all, in all banks of Yingkou City, the proportion of individual deposits in financing declined and the ratio of corporate deposits increased. However, the proportion of loans in the operation method declined. Second, according to the type of banks in urban areas, State-owned Commercial Banks have a high proportion of individual deposits in procurement and corporate lending in operation. Joint-equity Commercial Banks have strong relationships with corporations in terms of both procurement and operation, particularly in proportion of short-term lending to corporations. Third, banks in rural areas have a high proportion of individuals in procurement, and the proportion of individuals in rural areas is relatively high in comparison with banks in urban areas. Therefore, Rural Credit Cooperatives and the Postal Savings Bank of China play a significant role in providing funding to farmers.
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