二元金融格局下的县域信贷弱化问题研究

在持续的城市化和金融一体化背景下,我国经济发达地区却同样呈现金融二元格局,具体体现为:县域信贷增长持续高于经济增长,资金瓶颈在县域尤为突出。本文以江苏省常州市的县域信贷支持弱化为研究起点,研究城乡金融二元结构的体现及原因。文章认为,在当前金融一体化背景下,资金反而流出高增长的县域地区主要源于机构、金融服务和县域金融制度三大因素,由此提出相应的政策建议。

This paper reviews the dual - financial structure between urban and rural regions through county - level finance ease study in Changzhou City, Jiangsu province. It is shown that the less clevelopment county finance results from weakness in financial institutions, financial products and financial system.Thus, some policy suggestions are put forward.