CAJ | 학술논문

作为现代服务业，金融业具有更大的集中度，更容易出现聚集现象。中国区域金融发展存在明显和严重的差异。金融要素在具有地理优势、经济发展快速、政府政策倾斜的东部地区不断聚集，金融聚集使得中西部地区与东部地区金融发展差距越来越大。东部地区的过度金融发展可能导致地区经济过热，诱发金融风险，而中西部地区金融发展水平滞后是导致区域经济落后的重要原因。因此，作为支持中西部经济发展的配套措施，应加大对中西部地区金融发展的优惠、支持、鼓励政策的力度，鼓励金融创新，推动金融聚集，促进金融发展，这样既有利于中西部地区的经济增长，也有利于东部经济发达地区的长期发展和金融安全。
작위현대복무업，금융업구유경대적집중도，경용역출현취집현상。중국구역금융발전존재명현화엄중적차이。금융요소재구유지리우세、경제발전쾌속、정부정책경사적동부지구불단취집，금융취집사득중서부지구여동부지구금융발전차거월래월대。동부지구적과도금융발전가능도치지구경제과열，유발금융풍험，이중서부지구금융발전수평체후시도치구역경제락후적중요원인。인차，작위지지중서부경제발전적배투조시，응가대대중서부지구금융발전적우혜、지지、고려정책적력도，고려금융창신，추동금융취집，촉진금융발전，저양기유리우중서부지구적경제증장，야유리우동부경제발체지구적장기발전화금융안전。
As a modern service industry, financial industry is more concentrated and much easier to become industrial conglomerated, and the difference of regional financial development is obvious and serious. The financial industry in east region grows much more rapidly than that of the middle and west regions because of financial conglomeration. Ovet-developed finance in the east will lead to over-heated economy and trigger financial crisis. However, the lag of financial development in the middle and west regions is an important reason of underdevelopment. So, in the middle and west regions it is not only benefit for the economic growth of local regions but also benefit for financial safety and economic development so to encourage financial innovation, promote financial conglomeration and advance financial development.