二元金融体制金融资源配置的定量分析  

Quantitative Analysis of Financial Resources Allocation under the Dual Financial System

作　　者：张永升[1] 冉霞[2] 谷彬[1] 马九杰[3] 

机构地区：[1]北京大学光华管理学院,北京100871 [2]中国人民银行石家庄中心支行,河北石家庄050050 [3]中国人民大学农业与农村发展学院农村经济与金融研究所,北京100874

出　　处：《金融理论与实践》2014年第4期6-9,共4页Financial Theory and Practice

基　　金：2013年度国家社科基金重大项目<推动"三农"问题解决的城乡发展一体化体制机制与政策研究>阶段性研究成果(编号:2013ZD023)

摘　　要：随着城市经济的不断发展,相对落后的农村经济越来越缺乏原动力的支持,许多学者重视到这一问题,并从机制、体制等角度进行了深入的研究。然而改革开放至今农村大量储蓄被用于支持城市经济发展,究竟二元金融体制下我们的金融资源如何配置,目前还没有全面的定量分析。基于此分别选取了大型商业银行涉农发展指标作为被解释变量,同时选取农村经济金融发展过程中的指标作为解释变量,全面考察30多年来二元金融制度下的金融配置效率,并给出了相应的结论与建议。As the continuous development of urban economy, many scholars paid attention on the prob-lem that the relative backwardness of rural economic was more and more a lack of the motive power support. They made a deep research on the perspective of system and mechanism. However, since re-form and opening up a large number of rural savings were taken for supporting the cities’economic de-velopment. How to configure the financial resources under the dual financial system？ Until now there was no comprehensive quantitative analysis. On this base the author chose agricultural development in-dicators of big commercial banks as the variable by that time and chose the indicators during the rural economic financial developing process as the illustration variable, made a comprehensive study on the financial allocation efficiency under the dual financial system over 30 years. Some advices and sugges-tions were given at the end of this paper.

关 键 词：二元金融体制 商业银行 涉农贷款 

分 类 号：F832.35[经济管理—金融学]