金融生态的层次结构与金融资源均衡配置:张家界个案分析

Financial Ecology Structure and Financial Resource Allocation: A Case Study of Zhangjiajie City

本文通过对欠发达地区的市、县域和乡村三层次金融生态的结构性比较研究,探讨各层次金融生态的特征差别,基本结论如下:第一,在市域层次,产业结构和政府投资冲动是影响金融生态的主要变量;第二,在县域层次,金融机构自身的“无为”和信用脆弱造成了金融生态与金融发展的恶性循环;第三,在镇以下乡村,经济基础薄弱和农村金融供求失衡是金融运行的主要问题;第四,三层次结构性金融生态差异是当前金融资源非均衡配置现状的重要解释变量;第五,金融资源的均衡配置需要在市域、县域和乡村三层次按不同重点优化金融生态。

This paper comparatively studies the financial ecology at city, county and township levels to show following conclusions. Firstly, indnstrial structure and local government investment affects financial ecology at city level; secondly, less- incentive for lending and the lack of credit worthiness shapes the financial ecology at county level; Thirdly, at the township level, poverty and excess demand for funding lead to less financial efficiency; Fourthly, the structure of financial ecology results in unbalanced financial resource allocation; And finally, financial ecology should be improved through different focuses at three regional levels, respectively.