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所谓的区域性银行垄断是指我网现阶段金融经济的一种特有现象,它表现为:各级地方党政部门在强烈的政绩意识与地方经济利益意识的驱动下,以行政手段逼迫区域内所属银行听命为其服务。区域间的银行关系疏淡,横向资金流动受到人为的阻碍,纵向分配资金的渠道难以突破,形成区域间的割据、区域内的垄断。同时,区域内的各专业银行业务分工亦呈行业垄断局面。在传统的经济体制下,我国的银行体系是按行政区划设置的.这种银行机构的设置方法就蕴含了区域性
The so-called monopoly of regional banks refers to a peculiar phenomenon of our financial economy at the present stage. It manifests as follows: Local party and government departments at all levels, driven by the strong sense of political achievement and the awareness of local economic interests, Bank belongs to serve their service. Inter-regional banking relations are diminished, horizontal flow of funds is artificially hindered, and vertical distribution of funds is difficult to break through the channels, the formation of regional separatism, regional monopoly. In the meantime, the division of labor in various specialized banking sectors in the region is also an industry monopoly. Under the traditional economic system, the banking system in our country is set up according to the administrative divisions, and the method for setting up such a banking institution implies a regional