差别金融待遇与发展中小金融机构的必要性

Differential Financial Treatment and the Necessity to Develop Small and Medium-Sized Financial Institutions

金融制度是一种节约交易费用提高资源配置效率的制度安排 ,应该为实现国民收入最大化 ,促进国家经济增长而服务。但是 ,具体到我国 ,国有金融机构针对不同类型的经济组织采取差别待遇 ,偏好于向国有经济部门提供信贷而歧视非国有经济组织。本文分析了这一问题的成因及其影响 ,认为差别金融待遇无论是对非国有经济还是对国有经济都是不利的 ,会阻碍国民经济的快速发展和金融体系的有效运行。我国现有的金融体系不能很好地为非国有经济服务 ,必须大力发展和完善中小金融机构才能从根本上解决非国有经济融资难的问题。

Financial system is a series of institutional arr angements to reduce transaction costs and to allocate resources more efficiently. It should help to promote the economic development of the whole economy. But our state-owned financial institutions prefer the state-owned economy to the non-state-owned economy. This paper analyzes the causes of the problem and draws a conclusion that the discrimination is adverse to the development of both state-owned and non-state-owned economies and will hamper the stability of the financial system. As the existing financial system cannot serve the non-state-owned economy effectively, we must develop the small and medium-sized financial institutions to fulfill the purpose.