信贷配给理论及其对中国银行业改革的启示

Credit Quotas Theory and its Reference for Reform of China's Banking Industry

在商业银行占据主导地位的发展中国家中 ,由于现存金融市场的种种结构缺陷以及银行体系内外部建设的不完善 ,在发育成熟的金融市场出现以前 ,政府将被迫肩负着维持对银行部门部分控制的义务。

In developing countries, which have structural defects in their financial market, the commercial banks always act as the major role in enterprises' financial activities. However, due to the imperfect of banking system, the government was forced to shoulder some obligations that should be taken by banking sectors and thus brought some problems that cannot be seen in an advanced financial market.