地方金融业发展的国际比较及其借鉴

International Comparison and Reference of Local Finance Development

世界各国地方金融的历史起点不同,发展模式各异,但世界各国普遍都很重视发展地方金融,并形成了丰富多彩、各具特点的地方金融体系,为我国地方金融业提供了可资借鉴的经验。本文深入比较分析了美国、德国地方金融业在体制模式、市场定位、制度环境等方面的异同,从理论上探寻了适合我国国情的地方金融机构发展模式,并结合我国地方金融业的特点,提出了可行的政策建议。

Although different countries have different historical starting points and development modes of local finance, all countries attach great attention to local financial development and construct local financial system with their own characteristics. All these measures provide beneficial experiences for financial development of our country. This paper compares and analyzes the differences of local finance between USA and Germany from the perspectives of system mode, market positioning, and system environment and so on. Furthermore, we explore suitable development mode for our local finance in theory, propose feasible policies and suggestions according to the characteristics of local finance in our country.