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长期以来,我国金融资源配置不均衡,一方面,国有大型银行和股份制商业银行拥有了绝大部分金融资源,其主要服务对象是国有企业以及其他大中型企业;另一方面,从金融资源在城乡的配置状况看,农村地区的金融资源配置严重不足。这些状况既造成了小微企业融资难的问题,也是农村地区的金融服务供给严重不足的根源所在。要扭转我国金融资源配置不均衡的格局,加快推进利率市场化,同时放松金融市场准入,是行之有效的途径。
For a long time, the allocation of financial resources in our country is not balanced. On the one hand, large state-owned banks and joint-stock commercial banks have the vast majority of financial resources. Their main service targets are state-owned enterprises and other large and medium-sized enterprises. On the other hand, According to the allocation situation, the allocation of financial resources in rural areas is seriously inadequate. These conditions have not only caused the problem of financing small and micro-enterprises, but also have caused the serious shortage of financial services in rural areas. It is an effective way to reverse the unbalanced allocation of China’s financial resources, accelerate the marketization of interest rates and relax the access to financial markets.