对我国金融制度变迁的几点思考

Thinking of the Financial Institutional Transformation of China

制度变迁是各利益主体在追求利益最大化的过程中要求的由一种更高效率的制度安排替代效率相对较低的旧的制度安排。本文认为我国的金融制度变迁是在国家主导下渐进式进行的 ,地方政府在金融制度变迁的过程中发挥了正反两方面的作用。同时 ,本文针对我国中小金融机构的内生性机制分析了其发展的困境。

Institutional transformation, required by every principal part in the process of pursuing the maximum interests, means that a more efficient system arrangement replaces an old one with relatively lower efficiency. The article mainly analyses some points of the issues, indicating that the financial institutional transformation in China is gradually underway with central government playing the leading role, while local governments play the role as a two-edge-sword. Meanwhile, to counter the endogenous mechanisms of the middle and small financial setups in our country, the article analyses the dilemma in their development.