Research On The Financial Demands And Financial Business Development In The Visual Of Dual Economy

The thesis based on the dual economy theory, from the financial angle, attempts to ponder how to satisfy the current multi-level financial needs through the financial service development, let the finance effectively functioning on the national economy, which could help to narrow the local disparity and accelerate the dual economy transformation in our country.Firstly, the thesis is background with the dual economy, analyses the present situation of financial demands for the economic developed region and economic less-developed region of our country respectively, points out the characteristics of the current financial demands of our country, and also figures out the future financial demands of our country. Secondly, briefly analyses the financial contradiction which current existence in our country, namely rural financial contradiction and the medium and small-sized enterprise financial contradiction. Thirdly, analyses the every factor that influences financial demands i.e. the interest rate, average income, expected profit and psychological consciousnesses of microscopic main part; then through studying the factors which influenced the credit market, points out under the imperfect information condition the results of credit market equilibrium will be: causes the commercial banks to have credit ration behavior, causes the partial high venture enterprise and the few mortgage property enterprises to withdraw from the credit market. Finally, according to the existent financial contradiction of our country, the dissertation gives some advices of banking business of our country: One is to break financial monopoly, establish the multiplayer financial institution system in order to satisfy the financial demands of different main part; Two is to optimize financial structure, coordinate the banking businesses in order to perfect various financing channels; Three is to share economic information, expand the banking businesses.