中国区域金融发展水平差异分析

本文在国内外学者已有的研究基础上，结合金融发展理论，首先对中国区域金融发展水平进行了度量，得出东部地区金融发展水平最高、西部其次、中部第三、东北最低的结论；然后利用泰尔指数及其分解法对中国区域金融发展水平差异进行了度量分析，发现中国区域金融发展水平差异在1992年-2009年间呈“U”字型走向；最后利用定性和定量的方法对中国区域金融发展水平差异的原因进行了分析，证明了中国区域金融发展水平差异是外生因素（政策因素）和内生因素（经济增长速度）共同作用的结果。

An Analysis of Differences in Regional Financial Development Levels in China

This paper, based on domestic and foreign scholars＇ corresponding studies, combining the theory of financial development, measures the levels of regional financial development in China. And the conclusions are： the highest level of financial development is in eastern regions, the western regions the second, the central regions the third, and the lowest is in the Northeast regions. It then measures differences in the regional financial development levels by using of the Theil index and decomposition. And the results show that differences in the regional financial development levels in China in 1992 -2009 years form a ＂U＂ type curve. Finally, it analyzes the reasons for such differences by employing qualitative and quantitative methods, which proves such level differences are the result of joint action of exogenous factors （ such as policy ） and internal factors （ such as economic growth rate）.