金融领域改革与银行业转型的思考

Reflections on the Reform of the Financial Sector and the Transformation of Banking

金融业在经济发展中具有先导作用,深化金融改革,畅通资金渠道,丰富金融产品,完善金融机构治理是加快金融领域改革的重要途径。完善多层次资本市场体系,深化金融领域改革有利于防范和化解系统风险,有效降低银行不良资产、影子银行风险累积,发展多层次资本市场有利于防范银行系统风险集中化,弥补监管短板,堵住制度漏洞,打击监管套利,规范金融领域创新活动。

The financial industry plays a leading role in economic development. Deepening financial reform, opening up funds channels,enriching financial products, and improving the governance of financial institutions are important ways to speed up the reform in the financial sector. To improve the multi-level capital market system, deepen the reform of the financial sector is conducive to guard against and defuse system risks, effectively reduce the non-performing assets of banks, shadow the cumulative risk of the bank, the development of multi-level capital market is conducive to the prevention of the risk of bank system of centralized supervision, make up the short board, block the loopholes in the system against regulatory arbitrage, standardize financial sector innovation activities.