摘要
金融领域目前的主要矛盾是社会对金融的市场需求与政府对金融行政干预之间的矛盾,金融管制与垄断引发非正式金融的产生与漫延,导致金融管制的效率递减。增强宏观金融调控效果,消除非正式金融现象的根本出路在于深化金融管理体制改革。
Abstract The main contradiction in the field of Chinese banking at present is the contradiction be-tween the market demand that the society makes on the banking. monetary management andcontrol and monopoly initiate the appearance and overflow of informal hanking,and lead to theprogressive decrease of the efficiency of monetary management and control. The fundamental outlet to promote the efficiency of macro-monetany adjustment and control and to eliminate the in-formal banking phenomenon is to deepen the reform of monetany management system.