中文摘要：

本文借鉴金融发展理论和SCP范式构建了衡量金融发展的框架,藉此研究西藏农区金融发展。结果表明,中国农业银行西藏分行处于完全垄断地位且主要提供＂政策性＂金融服务,商业性金融服务稀缺是西藏农区金融结构的显著特征,由此决定了控制信贷和利率的垄断行为,导致政策和社会效益绩效相对突出而市场效率相对低下。本文建议在提高政策性金融机构在农村的覆盖率和到达率的同时,应促进竞争以提升市场效率,加速完善西藏农区的金融体系。

英文摘要：

This article has inclusion of Financial Development Theory and Analysis Frame of SCP which is constructed Analysis Frame of Financial Development. According to analysis,the branch bank of Agricultural of China provided ＂policy-based＂ financial service but lack of commercial financial service is the salient features of financial structure In Tibetan agricultural area. Therefore that structure determined monopoly style of credit and interest rate,which eventually affect policy and social benefits causes decreasing performance feature of marketing efficiency. According to the information as above which stands out suggestions as following：to improve coverage and accessibility of ＂policy-based＂ financial institution in the villages,meanwhile promoting competition which increase marketing efficiency,speed up upgrading financial system in Tibetan agricultural areas.