第二，从信贷市场结构和机制角度，分析了竞争机制、利率机制、资金报酬率及信贷契约等对西部欠发达地区信贷市场的影响。
The structure and the mechanisms of the credit market, including the competing mechanism, the interest-rate mechanism, the fund reward ratio and the credit contract.
在收益递增下要素流动能提高发达地区的要素报酬率，但降低欠发达地区的要素报酬率。
Under increasing returns, factors flow can improve its return rate in those developed areas while reduce it in less developed areas.
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