THE MODEL OF CREDIT RATIONING UNDER THE CONDITION OF DIFFERENT REGIONS AND MARKET SEGMENTATION
研究中国区域发展不平衡导致的信贷市场分割，分析银行忽视弱势地区、资金向发达地区集中的现象，并建立信贷配给分割模型来解释信贷差异与集中。
Development of different regions in China is extremely imbalanced,as for between the countryside and the city,and between the east area and the middle-west area,which brings on the credit market segmentation for different regions.The more credit market segmentation is serious,the more the bank will neglect the weak area,and put the fund in the developed area.Credit centralization is becoming more and more serious,and credit treatment is very different for different region.The paper firstly analyzes the credit market segmentation through the data and some credit investigations,then establishes the credit rationing segmentation model to analyze the credit difference,and credit centralization.Finally the paper gives the related conclusion and suggestions.