中(zhong)證(zheng)網訊（記(ji)者 歐陽劍環(huan)）銀保(bao)(bao)監(jian)會(hui)副主席肖(xiao)遠企6月(yue)23日在“中(zhong)國(guo)這十(shi)年”系列主題新聞(wen)發布(bu)(bu)會(hui)上(shang)表(biao)示(shi)，過去(qu)十(shi)年，金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)結構(gou)不(bu)斷優化。間接融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)和直(zhi)接融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)的比(bi)例與(yu)我國(guo)經濟社會(hui)發展(zhan)和金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)需(xu)求的適應性大(da)幅(fu)提高。城(cheng)鄉金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)源的配置更(geng)趨(qu)合理，目前平均縣(xian)域銀行(xing)機(ji)(ji)構(gou)8.8家(jia)，保(bao)(bao)險機(ji)(ji)構(gou)15.8家(jia)，金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)源向縣(xian)域和鄉村配置的比(bi)例不(bu)斷提高。金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)集中(zhong)與(yu)分散度(du)更(geng)趨(qu)平衡，前五(wu)大(da)銀行(xing)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)產(chan)占比(bi)是38%，比(bi)例比(bi)較合理，有利于合理配置金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)源，也有利于維(wei)護(hu)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)穩定。大(da)中(zhong)小微各(ge)類(lei)銀行(xing)保(bao)(bao)險機(ji)(ji)構(gou)數量布(bu)(bu)局比(bi)較合理，形(xing)成了相互促(cu)進、相互補(bu)充的金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)體系。目前我國(guo)的金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)結構(gou)與(yu)我國(guo)經濟體制、經濟發展(zhan)階段以(yi)及金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)傳統習慣和需(xu)求特點基本適應。