【摘要】 引入金融深化理论,结合中国的改革开放,金融抑制现象一直存在,任何有意无意的金融抑制,都加大了改革的成本,成为我国经济和金融快速发展的障碍。本文在分析和研究中小商业银行改革和发展中面临的金融抑制等相关问题的基础上,提出政府从制度和政策供给方面为中小商业银行发展创造条件;中小商业银行通过发挥制度优势增强竞争能力的对策。中小商业银行消除金融抑制,推动中小商业银行在金融深化中寻求持续稳定地发展,有利于提高银行业的效率。更多还原

【Abstract】 The phenomenon of financial restraint has been existing in China. Any financial restraint, be it witting or unwitting, will increase the cost for reform and will hamper the development of China’s economy and finance. This paper, on the basis of analyzing the issues concerning financial restraints confronting small and medium-sized commercial bank’s reform and development, points out that the government is supposed to create environment for the development of small and medium-sized commercial banks both in institution and policy; meanwhile the small and medium- sized banks should increase their competitiveness by taking the institutional advantages. Eliminating financial restraint in small and medium-sized banks , propelling the sustainable and stable development of the small and medium-sized banks in deepening the financial reform are beneficial to enhance the bank’s efficiency.更多还原