我国金融体系的发展:1978-2018  

Development of China's Financial System on the 40th Anniversary of Reform and Opening up

作　　者：李似鸿[1] 孙瑾 LI Sihong;SUN Jin(School of Finance,Jiangxi Normal University,Nanchang,Jiangxi 330022,China)

机构地区：[1]江西师范大学财政金融学院,江西南昌330022

出　　处：《金融教育研究》2018年第6期31-37,共7页Research of Finance and Education

基　　金：国家社会科学基金项目(18BJY165)

摘　　要：简要回顾改革开放四十年来我国金融体系的形成和发展,并对其做了一些简要的评述。当前我国金融体系中,一是中央银行之独立性有待进一步加强,金融监管水平有待进一步提升;二是金融体系偏重于机构体系的发展,今后要充分发挥好金融市场的作用;三是金融体系脱实向虚的情况有待进一步从制度层面矫正;四是对互联网金融的监管还需进一步深化和细化;五是经营性金融机构之间的竞争应由目前的同质化向多样化、差异化和创新化方向转变。This paper briefly reviews the formation and development of China’s financial system in the past 40 years of reform and opening up,and makes some brief comments on it.The article holds that in the current financial system of our country,first,the independence of the central bank needs to be further strengthened and the level of financial supervision should be further improved;second,the financial system is biased towards the development of the institutional system,and it is necessary to bring into full play the role of the financial market in the future;third,the situation of be divorced from reality to virtual in the financial system is still to be further corrected from the institutional level;fourth,the supervision of Internet finance needs to be further deepened and refined;fifth,competition among operating the financial institutions should shift from the current homogeneity to diversification,differentiation and innovation.

关 键 词：金融体系 中央银行 商业银行 深化改革 

分 类 号：F830.3[经济管理—金融学]