二战后日本金融制度的变迁及对中国的启示

The Changes of Japan's Financial System after World War II and Its Enlightenment to China

银行主导型金融体系的确立对日本经济的重要影响可以得见于二战后日本金融制度的变迁。以间接金融为主的金融发展战略对战后日本经济的迅速恢复和发展发挥了重要的作用,但由于政府的过分干预而限制了同业竞争最终导致金融业的惰性发展,为20世纪90年代危机的出现埋下了伏笔。分析日本金融制度改革过程中的得失成败,对中国具有借鉴意义。中国的金融体制改革要立足本国国情,以金融自由化为出发点,在加快市场化改革的同时完善监管体系,推动经济的可持续发展。

The changes of Japan＇s financial system after the Second World War led to the establishment of the dominant financial system to the Japanese economy. The indirect financial system strategy has played an important role in the rapid recovery and development of Japanese economy after war. But due to the excessive intervention of government, the competition has been limited and the financial system turned into an inert development, and finally led to the 1990＇s financial crisis. The analysis of the success and failure in financial system reform of Japan has special reference to China. China＇s financial system reform should be based on the national conditions, take the financial liberalization as a starting point, accelerate the marketization reform and improve the regulatory system, finally promote the sustainable economic development.