| Since the 1960s, more and more sciences paid attention to the relation of financial development and economic growth. Among them, there are three respective theories as follow: the theory of financial structure the theory of financial restraint and deepening, the theory of financial function. There exists a very close relationship between the enlargement of the difference in regional economic development and the changes in regional financial structure and development. Therefore, recently, more and more attention has been paid to regional financial differences.In the development of regional economics, capital factor is the most important restrictive one, while the way to solve capital restriction is fully bring finance into play. The functions of finance in the regional economics development are, on one hand, finance has a special polymeric function in the regional capital formation, which has a pushing effect for economic development; on the other hand, it can adjust regional economic structure obviously to realize the full use of social resources efficiently and effectively by utilizing the imbalance of currency and credit distribution. In different countries and regions, or in the same country and region of the different historical periods, the financial structures are quite different. For a long time, Chinese banking industry in the financial industry has been in a dominant position; the residents of the main assets of savings deposited in banks, the overwhelming majority of enterprises have relied on bank loans access to financial support, In direct financial there is shorter history and low level of development. Therefore, the comparative analysis of the different regional banking system development can reveal the financial industry in Chinese regional development differences.Since economic reforms, there exists a very close relationship between the widening gap of Chinese regional economy and the widening gap between the regional financial developments. Either from the provincial level, or from East China, Northeast Middle China and West China level analysis , the banking system also displays the same situation in uneven static statement and follows the trances, this characteristic is especially obvious in the inside of our country economy. The banking system developing in grad, stage and region is nearly a general principle.There are many causes of differences in regional banking system and development including the level of economic development, different regional market process, geographical location, the financial system reforms. In addition, our unified monetary and financial policies in various regions of the degree of influence of the financial sector , the vast majority of the monetary and financial policies of the central and western and north-eastern regions development of the financial sector affected. Therefore, in such a vast China, with its large population and the gap is the disparity between the regional countries, study the effect of monetary and financial policies, we should not only pay attention to national economic development and the impact of development of the financial industry, we must note that the policy on the different regions .Correspondingly, the bank industry can supply perfect finance service to boost up support for mercerization by rational regional strategy, and the rational regional strategy can also improve both structure and performance of bank itself. When the bank enters a benign circle, it can obtain sustainable developing itself and can improve the course of marketizition of Northeast China, that means win-win, an ideal result. Firstly, government should increase the strength that political bank sustains the development of the middle and western region, combine the regional financial policy with national economic policy so as to implement the harmonious operation between regional financial policy and national policy for each other. Secondly, each region should accelerate the development of its regional financial organization and institution, establish corresponding regional commercial bank, quicken up the construction of regional capital market. Thirdly, government should boost up the strategy of financial regionalization forcefully, and bring different financial policy into effect in the east, northeast, middle and western region of China. Fourthly, improve the local credit environment, and work hard to cultivate local advantages in financial intermediation. Finally, improve the quality of practitioners in the underdeveloped banking industry areas . |
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