加强宏观调控 深化金融改革

Strengthen Macroeconomic Control and Deepen the Finance Reform

本文认为,我国去年以来的宏观调控取得了一定的成绩,但不能估计过高,一些深层次的问题并没有完全解决,还要继续努力,特别是要注意转变经济增长方式,真正提高经济增长的效益。宏观调控一定要总体考虑社会发展和经济发展之间的关系,中央和地方的关系,宏观和微观的关系,当前和长远的关系,农业、工业、服务业之间的关系,政府与企业和银行的关系等。这些都是影响宏观经济的大问题,都是要周密考虑的。文章指出,金融是现代经济的核心,而银行是金融的心脏,目前商业银行存在的效率低、资本充足率低,不良资产率高,内部管理、风险控制机制不健全,治理制度不完善,金融创新不足等问题,必须通过改革加以解决。

The author maintains that, since last year, some achievements have been made in macroeconomic control.But, because there are still some deep-seated problems that have not yet been solved, we can not overvalue those achievements. We have to make continued effort to improve the efficiency of economic growth, and pay special attention to transforming the mode of economic growth. In fulfilling macroeconomic control, we must correctly handle the relationships between social development and economic development, central and local authorities, macroeconomics and microeconomics,short-term and long-term interests, agriculture, industry and service, and government and finance. The author also points out that, at present, there are some problems within China＇s commercial banks, such as the problems of low capital adequacy ratio, high bad asset ratio, imperfect internal management and risk-control mechanism. And all the problems mentioned above have to be solved with reform.