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. <<