我国金融效率问题与对策

Issues in Our Financial Efficiency and Countermeasures

我国金融深化和经济增长之间存在着一个矛盾:一方面经济增长需要大量资金支持,另一方面货币资源存在较大比例闲置,表现为货币化比率偏高而金融化比率偏低。原因在于金融机构资源配置效率不高,致使货币资源未能有效转为金融资产。深层次问题是我国金融创新不足,实物经济效率受到限制。本文在分析我国高货币化、低金融化矛盾基础上,揭示了我国金融抑制的存在,反映了货币政策传导中存在的问题,提出在金融领域、实业领域来优化金融发展的方向,以改善货币政策传导效能,促进我国经济健康发展。

There is a conflict between financial development and economic increase. On one side, the economic increase need huge amount of capital supporting and on the other side, a lot of banking resource leaves unused, showing that the rate of direct financing is high and the indirect one low. It is because the deployment inefficiency of financial resource, So the fund can not transfer into financial assets effectively. A deeper issue is that in our country financial innovation is insufficient and the practical economy efficiency is limited. In this article, with the analysis of this conflict, it has uncovered the financial control of our country and also reflected the exiting problems of currency development direction at financial and industrial area to economy grow healthily. process. This article also brings out the financial improve the currency transmit efficiency and help our