优化我国金融结构的理论思考

Theoretical Thinking of Optimizing Financial Structure

在金融发展中结构优化和总量增长具有同等重要性。改革以来,我国的金融发展在总量方面快速增长,但在结构方面却存在着严重缺陷,近年来结构性矛盾日益明显,继续走粗放型的总量增长之路已弊端过大,需要转变思路,以结构调整为重点推进中国金融的改革开放与发展。本文研究了形成金融结构的基础性条件,分析了影响金融结构变迁的主要因素,讨论了金融结构的分析指标和评价依据,阐明了金融结构的作用机理,试图通过理论层面的研究,探寻金融结构演进的内在规律,为我国主动调整和优化金融结构提供理论依据。

The importance of optimizing structure is the same as the gross increase in financial development. Since reform, the gross has rise rapidly in financial development of China. However, there are a lot of pitfalls in financial structure. In recent years, structural conflicts become obvious gradually. So the cost is too large if we keep the way of attaching importance to increase of the gross. It is necessary to change our concept to push Chinese financial opening and reform based on structural adjustment. This essay investigates the fundamental conditions which form financial structure, analyzes main factors influencing financial structural vicissitude in China, discusses analysis index and appraisal standard, and explains process and mechanism of financial structure. The essay try to find out internal laws of financial structure development in terms of theoretical study to provide theoretical backup for active adjustment and optimized financial structure in China.