摘要:江苏省区域间发展不平衡的现象是长期以来客观存在的，而且近年来地区间的经济、金融差异也没有多大的改善。金融是当代经济的核心部门，区域间的这种不平衡直接导致了区域金融发展差异的产生，而过大的区域金融差异则影响了江苏经济的进一步发展。本文以江苏省地区差异具有代表性的苏南、苏中、苏北地区为研究对象，对地区金融差异进行了探究。

    本文首先进行文献综述，通过国内外的研究成果总结区域金融研究的思路；之后通过金融相关比率、城市化、存贷款余额等指标来比较苏南、苏中、苏北在金融发展上的差异；以2005年到2011年的存贷款余额和地区GDP数据为基础，本文运用泰尔指数具体测量江苏区域金融的差异程度；根据上文和其他研究成果总结出江苏区域金融差异的成因；最后，结合实证研究的结果，本文提出了五条对策建议。

关键词  江苏；区域金融；金融差异；泰尔指数

Abstract: Jiangsu Province, regional development imbalance is long-term since the objective existence, but in recent years, regional economic, financial difference didn't improve much. Finance is the core sector of modern economy, the regional disparity directly leads to the difference of regional financial development and regional financial differences, are affecting the further development of Jiangsu's economy. In this paper, the representative to differences of Jiangsu province in South of Jiangsu, Jiangsu, Northern Jiangsu area as the research object, the regional financial difference of inquiry.

    This paper first gives a literature review of the domestic and foreign research results, through the summary of regional financial ideas; through financial ratio, city, deposit and loan balance index to compare the differences in financial development in South of Jiangsu, Su, North Jiangsu; from 2005 to 2011 GDP data loan balance and regional basis, differences in this paper, using the Tell index measures the degree of Jiangsu regional financial; according to the above and other research results summarized the causes of regional financial differences in Jiangsu; finally, according to the empirical results, this paper puts forward five suggestions.

Keywords: Jiangsu  financial difference  Theil index  countermeasures and suggestions