地方金融体系发展模式与建设路径研究--以无锡市为例.doc

摘 要：地方金融体系相对金融体系理论而言是一个相对较为陌生的概念，虽然在实际应用中已被广泛接受，但并不为大多数人所熟知。本文的研究就是意在介绍地方金融体系这一概念，并展现地方金融体系在金融业发展与经济增长中所起到的重要作用。

　　　本文通过汇总国外重要金融城市和国内地方金融发展有所成就的地区的发展模式和建设路径，仔细研究其中的经验教训和先进经验，比较各种模型的优劣及与自身特点的相适程度。提取优秀地方金融体系发展模式的重要关键细节，构建出具有普遍意义的金融体系框架，并通过建立模型考证其合理性与可行性。

　　　而为了研究模型在实际应用中的可变性，本文通过研究无锡的地方金融体系发展路径，验证模型的可操作性。选取与无锡各方面环境具有相似性的城市，研究其在金融体系构架方面的经验，并逐条分析其独特性和普适性。分析无锡在金融发展方面的优势与劣势，根据模型提出适合无锡的构架方式，并结合无锡自身的特点，其在发展地方金融的各项有利与不利的区位条件，对于模型的缺陷作出必要的调整，留下为应对实际情况的操作空间，在具有普适性的初级框架基础上，构建出适合无锡的地方金融体系发展模式与建设路径，最终验证整个模型的合理性和可行性。

关键词：地方金融体系；发展模式；建设路径

ABSTRACT：Local financial system relative to the theory of the financial system is an unfamiliar concept. It has been widely accepted in practical applications, but most people aren’t familiar with it. This study is to introduce the meaning of the local financial system and to show the important role played by the local financial system of financial sector development and economic growth.

　　　This study summaries of the important financial cities abroad and domestic areas with achievements in the development of local financial system’s model of development and construction path. Carefully studying the lessons learned and best practices, the study compares the pros and cons of the various models with theirs characteristics and relative to the degree of fitness. Extract the key details of the outstanding development of the local financial system modes. Build a financial framework of universal significance, and research its rationality and feasibility of modeling.

　　　In order to study the variability of the model in practical applications, we study the development path of the local financial system in Wuxi to verify the operability of the model. Select the city whose environment is similar to Wuxi’s to study its experience in the development of the financial system, and one by one to analyze the uniqueness and universality. Analysis of the strengths and weaknesses of Wuxi’s financial development, according to the model proposed framework for Wuxi, combined with Wuxi’s own characteristics with favorable and unfavorable geographic conditions to make the necessary adjustments in the development of local financial for the defect of the model , leaving room for maneuver to deal with the actual situation, build a model of development and construction of the local financial system for Wuxi path in universal primary based on the framework, and ultimately verify the rationality and feasibility of the entire model.

Keywords: Local financial system; development model; construction path