银行业规制与储蓄动员、二元经济转换

银行业规制，是在我国从计划经济向市场经济、由乡村型农业社会向城市型工业社会双重社会转型的特殊历史条件下形成的：在我国的二元经济向一元经济转换中，银行业的资本配置效率虽然不高，但在我国资本驱动型二元经济转型中，因银行业规制而带来的极强储蓄动员能力起到了很重要的作用。我们首先论证银行业规制是形成高储蓄动员能力的根本原因，然后对城乡储蓄率与二元经济转换之间的关系进行协整分析。

Regulatory Constraint in Banking Industry and the Saving Mobilization, the Transformation of the Dual Economy Structure

Regulatory constraint in banking industry had been formed in the dual society transforms from a planned economy to a market economy and form rural-agricultural society to industrial society.In dual economic structure to a unitary transformation in China,capital distribution is not effective in China's banking industry.However,strong capacity of mobilize savings had played a very important role in the capital-driven transformation of the dual economy structure.The article first verifies that banking rules and regulations is the fundamental reason for the high savings mobilization and carry on helping cointegration testing to the relation of urban and rural savings rate and the transformation of the dual economy structure again after.