论西部银行业发展的逻辑与次序

【作者】 线文；

【导师】 陈希敏；

【作者基本信息】 西北大学 ， 国民经济学， 2004， 硕士

【摘要】 金融发展对经济增长的促进作用无论在理论上，还是在实践上都已得到反复证明。西部经济的发展同样离不开金融发展。对于西部大开发而言，尽管理论界在促进西部金融发展推动地区经济成长的具体方式上还存在分歧，但是，在如何促进西部金融发展的基本途径上却取得了几乎一致的看法——通过增量改革实现西部地区的金融发展。对此，本文的研究得出了与上述看法完全不同的结论。 一般认为依据以增量促存量的主要渐进转轨经验，西部银行业的改革路径可通过引入股份制银行以形成对国有银行的充分竞争和准入民营银行来求解既有银行体系下中小企业融资困境的方式进行。基于西部经济发展的初始条件，本文对股份制银行产权结构、公司治理等特点及其在西部的竞争绩效进行分析，同时对民营银行设立的风险规避以及西部中小企业融资困境和城域中小金融机构(主要包括城市商行、信用社)的发展与改革展开相关讨论。结果发现，西部银行业改革如按增量促存量方式进行，不仅难以促进效率提高，还将增加区域金融的潜在风险，并不利于对经济的促进。据此本文认为，西部银行业的改革路径应以存量为优先，率先对中小金融机构进行民营化改造，进而促使银行等金融机构体系结构形成“大、中、小共存，产权主体多元”的格局，并形成存量促增量的改革逻辑与次序，以奠定金融深化的基础。更多还原

【Abstract】 The initial reform in the West is smoothly guided into the path of gradual transition with the support of dominant state-owned banks. However, the low efficient allocation of financial resources is deemed to be unsustainable. The major experience of increment improving state-owned sector in China’s reform indicates the reform of the banking in the West can be carried out with the entry of the joint-stock banks and admittance of civilian banks, so as to form efficient competition and solve small-and-medium-sized enterprises (SMEs) financing problem under the current banking system. Taking the economic initial condition in the West as the logical start, the paper first discusses the property right and cooperation governance structure of the joint-stock banks and analyses its market competitive performance in the West. The paper next explores the SMEs financing problems and risk factor of the civilian bank’s admittance as well as the development and reform of the small-and-medium-sized banks (including city commercial bank and credit cooperation). The paper find out that the path of the increment improving the state-owned sector will add potential risks rather than enhancing efficiency for the regional financial system, and concludes that the state-owned sector should be reformed firstly. It means the existed small-and-medium-sized banks should take the lead in privatization, so as to form all-sized banking structure with the feature of diversified property right. Therefore the logic and consequence of the banking development in the West is the reform of the state-owned sector improving the increment, which will pave the way for the financial deepening in the future.Xian Wen (National Economic Management) Directed by: Chen Xinmin更多还原