【作者】 李巾杰；

【导师】 彭建刚； 周鸿卫；

【作者基本信息】 湖南大学 ， 金融学， 2006， 硕士

【摘要】 本文试图在二元经济结构理论的背景下从金融的角度去思考如何通过金融业务的发展去满足当前多层次的金融需求,从而有效发挥金融对经济的支撑作用,缩小地区之间的差距,促进二元经济结构的转换。首先,本文以二元经济结构为背景,对我国经济发达地区与经济欠发达地区的金融需求现状分别进行分析,指出当前我国金融需求存在的特点,并分析了我国金融需求的动态变化趋势。其次,揭示了我国当前主要存在的金融供需矛盾,即农村金融供需矛盾和中小企业金融供需矛盾。在我国农村,金融业务发展远远滞后于城市,大量的资金从农村流向城市,从而使得大部分农村金融需求无法得到满足。同样,中小企业作为我国经济发展的新兴推动器,也无法得到正规金融的支持。导致上述矛盾的原因主要有:金融垄断导致服务效率低下;各类金融业务发展不协调;地方金融服务错位。再次,分析了影响金融需求的各个因素即利率、人均收入、预期收益和微观主体的心理意识与金融业务发展的关联性,并通过分析影响我国信贷市场均衡的各个因素,指出在信息不对称条件下信贷市场的均衡使得商业银行会产生“信贷配给”行为,同时使得部分高风险企业、抵押资产少的企业退出信贷市场。最后,针对我国当前存在的金融供需矛盾,提出了我国金融业务发展的相关见解:一是要打破金融垄断,构建多层次的金融机构体系,以满足不同主体的金融需求;二是要优化金融结构,协调金融业务发展,以完善多种融资渠道;三是要共享经济信息,促进金融业务的拓展。更多还原

【Abstract】 The thesis based on the dual economy theory, from the financial angle, attempts to ponder how to satisfy the current multi-level financial needs through the financial service development, let the finance effectively functioning on the national economy, which could help to narrow the local disparity and accelerate the dual economy transformation in our country.Firstly, the thesis is background with the dual economy, analyses the present situation of financial demands for the economic developed region and economic less-developed region of our country respectively, points out the characteristics of the current financial demands of our country, and also figures out the future financial demands of our country. Secondly, briefly analyses the financial contradiction which current existence in our country, namely rural financial contradiction and the medium and small-sized enterprise financial contradiction. Thirdly, analyses the every factor that influences financial demands i.e. the interest rate, average income, expected profit and psychological consciousnesses of microscopic main part; then through studying the factors which influenced the credit market, points out under the imperfect information condition the results of credit market equilibrium will be: causes the commercial banks to have credit ration behavior, causes the partial high venture enterprise and the few mortgage property enterprises to withdraw from the credit market. Finally, according to the existent financial contradiction of our country, the dissertation gives some advices of banking business of our country: One is to break financial monopoly, establish the multiplayer financial institution system in order to satisfy the financial demands of different main part; Two is to optimize financial structure, coordinate the banking businesses in order to perfect various financing channels; Three is to share economic information, expand the banking businesses.更多还原