京津冀协同发展背景下河北省金融结构优化研究.pdf

•私:嫂说推食 2017年第1期（总第171期） 区域金融 京津冀协同发展背景下河北省金融结构优化研究 尹成远，冯 悦 (河北大学，河北 保 定 071002) 摘要:推动京津冀协同发展，河北省金融业有着十分重要的作用，而金融结构又是金融中的核心部分，因此，根据 京津冀协同发展的要求，不断优化北省金融结构具有深远的意义。从金融相关比率、存贷比率、直接融资与间接融 资比率、存款结构、贷款结构、保险深度与密度六方面对河北省金融结构进行分析的结果来看，河北省应逐步缩小 存贷差，健全直接融资市场，拓宽融资渠道，积极推动金融机构多样化，加快发展保险业。 关 键 词 :金融结构；金融相关比率；京津冀协同 中图分类号：F830.3 文献标识码:A 文章编号= 2096-2517(2017)01-0060-08 Research on Financial Structure Development in Hebei Province against the Backdrop of Integrated Development of Beijing-Tianjin-Hebei Region Yin Chengyuan, Feng Yue (Hebei University , Baodin 071002, China ) Abstract ：Financial development in Hebei Province is an indispensable part against the Backdrop of Integrated Development of Beijing-Tianjin-Hebei Region and has important economic function. Meanwhile, financial structure is the core of finance, therefore, the improvement of financial structure in Hebei has a profound significance. The paper studies financial structure development in Hebei in recent years from the following six aspects, financial interrelation ratio, loan-to-deposit ratio, direct and indirect financing ratio, deposit structure, loan structure and insurance depth and density. Thus, the paper tries to figure out existing problems in financial structure and solutions to improve financial structure in Hebei Key words ： financial structure; financial interrelation ratio; integration of Beijing-Tianjin-Hebei 不容忽视，而金融运行效率的高低主要取决于其内 一、研究背景