淮北市银行业组织体系发展对策研究-工商管理专业论文.docxVIP

Research Research on Huaibei city banking system development countermeasure Abastract The bank as the finance intermediary has the profound influence in capital disposition, risk shares and economical growth,．It should display foundational function to distribute finance resources，promote the region development．Banking system construction is diffirent between the underdeveloped region in our country and overseas banking system：Because of different transitionary way of banking system，it causes the government leadership situation in region banking system establishment and merger in 0111country；nle region banking system doesn’t fit the economical development multi·level．not emphasis finance intermediary function of bank；Bank enterprise system needs to improve constantly；硼1e function of our state policy bank is simplex．the credit domain needs further to develop． Ⅲs article utilizes the financial intermediary theory and financial deepening theory etc． to investigate and anlysis the comstrutin of Huaibei City banking system to obtain several insu硒ciencies of the existing rcgion banking system：nle transaction cost has the comparison superiority，but the bad credit property has a more serrious influence to cost； The question that information iS assymetrical between the bank and debtor Can’t obtain the comprehensive solution：111e banking system iS incompletely competitive． scarifies efficiency；The banking system in which the big bank branch is primary is not ideal to distribute the fund resources．From these reasons，proposes the region banking system mentality：Gradually desalinates government’S in bank organization syrstem construction lcading role in bank organization system construction．to construct banking system by market；Take the fianncial intermediary function as guidance to construct the multi．types banks to serve for the different type financing main body；Opens up the credit aid scope of the policy bank；Improves the diaposal mechanism of financial r