作　　者： ; ; (等）;

机构地区： 西南财经大学

出　　处： 《金融研究》 2003年第1期82-89,共8页

摘　　要： 农村经济制度与金融制度变迁的不对称 ,形成经济的多元性和民营性与金融的单一性和“官营性”的反差 ;国有商业银行亏损的继续扩大是县域金融制度变迁的诱因 ,但更值得重视的国有商业银行退出后县域金融体系的特征及其退出的收益和成本 ;经济欠发达地区金融需求的变化 ,撤并难以改变这一地区金融与经济的矛盾 ;强化合作 ,弱化竞争 。 The contrast between the multifactor and privatization of economy and the singularity and 'state-run' property of finance stems from the transformational asymmetry between the economic system and financial system in rural areas. The further losses of state-owned commercial banks have led to the transformation of prefectural financial system. However, more attentiuon should be paid to the characteristics of prefectural financial system after the retreat of state-owned commercial as well as the benefit and cost of the retreat. It is hard to resolve the conflict between finance and economy in the underdeveloped areas through the change and merger of financial needs. The arrangement of prefectural financial system in underdeveloped areas should be improved by strengthening the cooperation and reducing the competition.

关 键 词： 经济欠发达地区 县域金融 制度安排 国有商业银行 制度变迁 收益 成本 金融需求 创新 中国

领　　域： [经济管理]