欠发达地区的金融环境及其改善.doc

欠发达地区的金融环境及其改善 The financial environment and improvement of Underdeveloped area 2012年 月日；；Abstract Owe develop area, refers to those who have a certain economic strength and potential but with the developed areas there is still a certain gap, unbalanced development, level of technology is not developed regions, such as Chinas central and western regions, since reforming and opening, our country is owed develop area and develop the difference of economic development between regions is increasing the trend, in the domestic and foreign research, with a focus on financial resource integration, is a financial product or service and innovation as the breakthrough point, on the regional financial resource undertakes strategical reorganization and structural reform, in order to achieve maximum efficiency in underdeveloped area financial environment analysis. This article from the underdeveloped area financial environment present situation, in view of the current situation to undertake simple analysis, expected to relevant suggestions and Strategies of underdeveloped regions, some reflections on the use in our country is owed develop of the area actual strategies to improve efficiency, financial support, make its become accelerate the development of power sources. Current, progress of our country economy is in rise quickly period, develop to owing the area, the opportunity and challenge coexist. Therefore, how to resolve the financial and economic interaction of contradiction, increase finance to support strength, advance owe develop region economy structural adjustment and change of economic growth pattern, is our future will face an important issue. Key words: Owe develop area; Financial environment; Adjustment strategy 目 录 引 论 1 一、欠发达地区的金融环境现状 2 二、欠发达地区金融环境改善的必要性 3 三、改善我国欠发达地区金融环境的战略意义 4 四、欠发达地区金融环境的不利因素 5 （一）经济基础差，金融产业发展慢 5 （二）金融市场不发达，市场化程度低 5 （三）社会信用意识淡薄，专业素质低 5 （四）法律环境不完善 6 （五）金融机构内控约束力低，管理制度不健全 6 （六）中介服务不足，银企关系不融洽 6 五、欠发达地区金融环境改善的调整策略 7