【摘要】 我国西部经济发展呈现“强财政 ,弱金融”的局面。金融资源在中心城市、中小城市和乡村三个层面的布局不合理。根据经济与金融的互动关系 ,我们应在中心城市、中小城市和乡村三级构建梯度性的金融支持格局 ,为西部地区经济社会的可持续发展提供动力。政府可以引导这些中心城市成为本区域的资金中心 ,利用资金的聚集效应和辐射作用 ,带动本区域经济社会的快速发展 ;对于中小城市 ,应大力发展以民营银行为主的中小银行 ,建立多层次的信用担保机制 ,改革农村信用社 ;对于乡村经济的发展 ,应加大政策性金融对乡村经济的支持作用 ,规范和引导民间借贷行为 ,建立多层次的农村保险机构更多还原

【Abstract】 A “strong fisc, weak finance” situation is shown in West-China economy development. Financial resources are distributed irrationally in central cities, small and medium-sized cities and countryside. Three tier progressive financial layout should be built in these cities and countryside, providing west-China economic society sustainable development with power in accordance to interactive relationship between economy and finance. The government should guide these cities to be a funding center of local area and put funding assembly and radiation effect into full play so as to bring a rapid development of local economy; as for small and medium-sized cities, small and medium-sized banks taking non-governmental banks as their main body should be developed, establishing credit guarantee mechanism of multiple level and reforming rural credit cooperatives; as for the development of countryside economy, policy finance supporting function upon countryside economy should be paid much attention, normalizing and guiding non-governmental credit behavior, and setting up rural insurance institutions of various levels.更多还原