论金融产品的对内开放

On the Open Policy of Financial Product to Domestic Financial Market Institute

金融产品是金融市场得以存在和发展的基础 ,是金融机构经营的基本对象 ,也是各类企业外源性融资的基本载体。长期来 ,在计划机制的影响下 ,政府部门主要通过对金融产品的种类、规模、价格和交易等四个环节实现对金融产品的管制 ,给金融发展造成一系列不良后果。强调金融产品的对内开放 ,就是要放松或取消政府部门对金融产品的品种、数量、价格和交易等方面的管制 ,变金融产品的行政性形成机制为市场化形成机制。

Financial product is either the basis of existence and development of financial market, or is the operating object of financial institution, as well as the basic carrier of external financing of various domestic enterprises. The administration has been supervising the financial products by the four manners as variety, dimension, price and exchange under the planning economic mechanism, which results in many unfavorable consequences. What the open policy of financial product to the domestic market implies is to unfasten or to abolish the supervision of variety, dimension, price and exchange of financial products by the administration, and to transfer the administrative mechanism of forming financial products to marketing mechanism.