后金融危机时代我国金融脱媒现象探析  

The Discussion of China's Financial Disintermediation in Post-financial Crisis Era

作　　者：陈钢[1] 郑良琳[2] 

机构地区：[1]中国人民银行上海总部,上海200120 [2]中国人民银行莆田市中心支行,福建莆田351100

出　　处：《上海金融》2012年第11期104-107,119,共4页Shanghai Finance

摘　　要：本文基于新金融中介理论角度诠释金融脱媒概念,从发达国家的金融脱媒与反脱媒的轮回历程,对我国的金融脱媒趋势下的金融体制变革提出相关启示。同时以2008年国际金融危机为分水岭,分析近二十年来我国金融脱媒的阶段划分、影响因素及变化特征,并从部门角度选择中介化比率以资产和负债两个维度来考察我国金融脱媒变化趋势,指出当前我国在金融脱媒趋势下存在的主要问题,在我国国情基础上提出相关的对策建议。From the angle of new financial intermediary theory,the article interprets the concept of financial disintermediation.Drawn on the experiences of the developed countries from disintermediation to anti-disintermediation,the thesis sums up some suggestions in relation to China's reform of financial regime against the backdrop of financial disintermediation.Looking back from the financial crisis of 2008 to nearly two decades ago,the thesis makes analysis on the phasing,impact factors and changes of China's financial disintermediation.It examines the tendency of financial disintermediation in China from the dimensions of both assets and liabilities by choosing intermediary ratio in a perspective of sectors.It as well points out the major issues being faced with China against the tendency of disintermediation and puts forward policy suggestions in line with China's situation.

关 键 词：金融脱媒 金融中介 反脱媒 

分 类 号：F832[经济管理—金融学]