中国银行业金融资产质量的区域差异分析

The Research of Banking Financial Assets Quality’s Regional Differences in China

改革开放以来,我国居民的金融资产发生了很大的变化,金融资产的总量迅速膨胀,金融资产分布的差异也在扩大。本文分别从不同区域的角度分析了我国商业银行金融资产质量的情况,得出不同区域间的金融资产质量存在较大的差异。同时,分析了其中的原因,并证明了经济发展水平对于金融资产质量有一定的影响,但并非是决定金融资产质量的唯一因素,决定金融资产质量的因素比较复杂。

China＇s financial assets have changed since the reform and opening up.The amount of financial assets has expand rapidly, the financial assets ＇regional differences have also been expanding. This article analyzes the quality of financial assets of China＇s commercial banks from the different regions and draws the quality of financial assets are a lot different in different regional ,as well as its reasons.h proves that the level of economic development has a certain influence to the quality of financial assets, but are not the only factor to decide the quality of financial assets. The factors to decide the quality of financial assets are complicated.