论西部金融与经济发展和谐之路径——从金融机构的视角

借鉴戈德史密斯的金融相关率计算法设计出国有金融相关率非国有金融相关率、存贷比等一系列测算指标，对西部地区国有商业银行与中小金融机构的市场份额．信贷效率、机构规模等进行定量比较，认为西部金融业存在大型国有银行垄断信贷，中小金融机构存在发展不足的失衡现象，且这种发展失衡降低了其支持经济发展的效率和质量。因此，促进西部金融按质按量发展，引导其为经济发展提供更有效的服务，并不断健全有利于金融、经济可持续发展的社会经济环境是解决该问题的必然途径。

Oh the Approach to Achieve Harmonious Financial and Economic Development in West-China——An angle of financial institution

In terms of a series of calculating indexes like SOFIR, NSOFIR, LDR and etc., deriving from the calculated method about FIR devised by Goldsmith,this paper makes a quantitative comparison of market proportion, credit efficiency and institution scale between state-owned commercial banks and medium and small financial institutions in west-China. The findings are that there is imbalance in the development of medium and small financial institutions; which reduces the efficiency and quality of its economic development. Therefore, the inevitable solutions are promoting the quality and quantity of west-China financial development, guiding it to provide economic development with better services as well as perfecting the social and economic environment in favor of the sustained development of finance and economy.