陕西金融发展状况分析:1999-2008年

Analysis of financial development in Shaanxi:1999-2008

通过对陕西省1999-2008年金融相关比率及其他指标的计算,本文分析了西部大开发以来陕西金融的发展状况。在这期间,陕西金融资产不断的增加,金融相关比率也逐步增长,GDP也有明显快速持续的增长。研究结果表明,2003年之后,国有银行股改,对陕西影响较大,金融相关比率下降。但始终在2.5以上。在总量上,陕西的储蓄率较强,存款额能满足发展的资金供给。但是实践中滞后的金融市场体系阻碍了资金的融通,融资总量不足与供求结构失衡的特征十分明显。对此,提出了改善金融发展状况的政策建议。

Trough calculating the financial ratios and other related indicators （1999 -2008） in Shaanxi Province, this paper analyzes the development state of Shaanxi financial since the Western Development. During this period, the financial assets, the financial ratios and GDP of Shaanxi have been increasing continuously. Studies have shown that the financialrelated ratios have declined after the state- owned bank shares changed in 2003, but it remained over 2.5. Totally, the savings ratio of Shaanxi is strong, the deposit can meet the need of the development. Practically, the hysteretic financial market system hinders the financing of the funds. However, it is obvious that the quatity of financing is insufficient and the structure between supply and demand is disequilibrium. In this regard, the policy recommendations of improving the financial development state are proposed.