Difference Analysis Of The Regional Banking Development In China

Along with the rapid development of our country’s economy, our industrial structure is being optimized and escalated unceasingly, and finance is playing a more and more important role in our national economy. As the main part of finance, banking’s development level will have significant effect on the whole finance. According to relevant research result of experts and scholars, in different country and different period, the influence of development level of banking to the development of economy would be different. So the study of the regional difference on banking,would contribute to see clearly the actual development condition of it, and then adopt appropriate policy for financial authorities.This paper analysis the regional development difference of banking of our country form networks workers and assets, and then classifies banks to different categories to analysis in detail. The concrete research contents are as follows:First, search for related literature from domestic and foreign, absorb essence and find inadequate form them, and then determine my own study area and angle.Second, introduce the development process and the current condition of China’s banking industry. Analysis the regional development difference of the whole finance, using some index such as finance value added, financial interrelation ratio and so on.Third, analysis our country’s regional development difference of banking from networks, workers and assets, and construct a comprehensive index to measure the difference at the last.Fourth, assort our banks into state-owned commercial bank, joint-stock commercial bank, The postal savings bank, foreign-owned bank, city bank and rural bank, and then analysis each type’s regional difference also from networks, workers, and assets.Fifth, borrow Specialization index which used in industrial structure analyzing to learn the structure difference of China’s banking.Finally, learn to find the factor that caused the regional development difference of banking, based on existing study and my own analysis.