区域金融市场——中小商业银行民营化的内在驱动力  

Regional Finance Market--Driving Force behind Private Middle and Small Commercial Banks

作　　者：陈先勇[1] 

机构地区：[1]武汉大学商学院,湖北武汉430072

出　　处：《中国软科学》2003年第2期113-118,共6页China Soft Science

摘　　要：经济增长离不开金融支持,特定区域经济发展也离不开当地金融市场的发展。我国高度垄断的国有银行体制造成大量信贷资金从不发达地区向发达地区、从农村向城市转移的"抽血"行为,是拉大区域经济发展水平差距的一个重要原因。中小企业是促进我国区域经济发展的主力军,而中小商业银行定位为地方性金融机构,在为地方中小企业提供专业化服务方面拥有国有大银行所无法比拟的信息优势。但目前我国政府主导模式下的中小商业银行却"克隆"了国有大银行的常见弊端而逐渐丧失了其高效、务实、灵活的特点。建立一个以民营中小银行为主体的区域金融支持系统应该成为我国金融体制改革的必然选择,也是解决我国区域经济发展不平衡的有效途径之一。Growth of Economy needs the support of finance industry,economic growth of any region also must have the development of regional finance market.High monopolization of banks by the government makes great deal of credit capital flowing from underdeveloped regions to developed regions.As the main force to boost the development of China's regional economy middle and small enterprises are thirsty for support from middle and small commercial banks who have overwhelming advantage over the big banks in terms of information about those middle and small enterprises.The paper believes it's necessary to build a regional finance system dominated by middle and small banks and the system is an efficient way to reduce the gap between regions.

关 键 词：区域金融市场 中小商业银行 民营化 金融体制改革 中国 

分 类 号：F832.33[经济管理—金融学]