江浙沪二省一市银行结算账户及资金往来分析

An analysis on settlement account in banks and cash flows in the Yangtze River Delta region

江浙沪两省一市作为地域相连、文化相近、结构互补的较为完整的城市经济区域,是我国经济发展的重心区,并将继续对我国未来的经济发展产生越来越大的影响。本文试图通过采用人民币银行结算账户管理系统及支付管理信息数据,对江浙沪二省一市银行结算账户流入流出、单位存款人的行业归属及资金往来情况进行实证比较分析,来提出推动长江三角洲地区金融一体化的决策依据。

The Yangtze River Delta region including Shanghai, Jiangsu province and Zhejiang province is one of the most important economic centers in our country and will play a greater role in the economic development. These areas have similar cultures and their industry structures are complementary. By analyzing the data from the RMB Accounts Management System and Payment Management Information System, this paper tries to conduct empirical analysis on the settlement account opening （closing） phenomena and capital flows in these areas.