2004年金融改革的回顾与前瞻

A Review and Outlook of Financial Reform Trend In 2004

2 0 0 4年 ,金融改革的趋势是 :金融监管由原来强调行政审批的合规型监管 ,正在逐步转向以市场和法规为导向的风险型监管 ;在保持稳健的基调下 ,货币政策需要在疏通传导机制等方面进行新的探索 ;利率市场化改革正稳步推进 ;资本管制有逐步放松的趋势 ;国有银行改革将会加速进行 ;农村信用社改革逐步深入 ;保险市场结构进一步健全 ,保险资金运用渠道将有重大突破 ;机构投资者将确立其证券市场的主导地位 ;不同金融机构之间的业务交叉将更为活跃 ;证券市场的改革和发展有所推进 ,债券市场。

Financial reform in 2004 has taken on the following aspects;financial supervision is tending from compliance-typed supervision,emphasizing administrative approval to market,laws and regulations-oriented risk-typed supervision;monetary policy is to be made new trial in mediating transmission mechenism under the central theme to maintain stable monetary policy;market-oriented intenest rate reformation is steadily promoted;capital control is loosened;state-owned bank reform will be hastened;rural credit cooperative reform is gradually deepend;insurance market structure is further amplified and there will be great breakthrough for application channel of insurance fund;institution investors will get dominant position in securities market;business over-lapping in differeat financial institutions will be active;the reformation and development of securities market has been promoted,and bond market,futures market and money market will be development in the further reformation.