三维金融架构理论:理论述评与展望  

Three-Dimensional Financial Architecture Theory:Theoretical Review and Prospects

作　　者：杨焱 Yan Yang

机构地区：[1]广州航海学院

出　　处：《新经济》2024年第2期134-144,共11页New Economy

基　　金：广州交通大学(筹)引进人才科研启动项目(K42022058);广州市《微观经济学》课程教研室项目(2022KCJYS019)。

摘　　要：三维金融架构理论是我国著名金融学家白钦先教授在金融理论研究方面的创新成果。该理论认为,对于现代市场经济的国家或经济体,商业性金融、政策性金融、合作性金融这三者相互联系、相互影响、相互作用,不同的金融组织形态或金融资源配置方式共同构成整个金融系统架构,应是一国或一个经济体重要的基础性金融制度安排。该理论自提出以来关注度不高,缺乏系统性理论述评,应用上还有许多可拓展空间。通过梳理理论框架,回顾其形成和发展,系统总结相关文献的阶段性成果发现,三维金融架构理论是具有大局观与整体论的金融观,对看待一国或一个经济体的经济发展和金融发展具有宏观指导意义和较高学术价值。通过研究可以为政策制定者提供有价值的启示,用以推动金融资源利用效率、金融系统稳定性、金融可持续发展、金融数字化转型和金融服务的普惠性。The Three-Dimensional Financial Architecture Theory is an innovative achievement in the field of economic and financial theory by the renowned senior Chinese financial scholar,Professor Bai Qin.This theory posits that for a nation or an economic entity in a modern market economy,the interconnections,influences,and interactions among commercial finance,policy finance,and cooperative finance—three distinct yet inherently interconnected financial organizational forms or modes of financial resource allocation—constitute the entire financial system architecture.This architecture is considered a fundamental financial institutional arrangement for a nation or an economic entity.Despite its lack of significant attention and systematic theoretical assessment since its proposal,the theory still holds potential for further application and expansion.By reviewing its theoretical framework,tracing its origins and development,and systematically summarizing the incremental achievements from relevant literature,it is evident that the Three-Dimensional Financial Architecture Theory presents a macroscopic and holistic perspective on finance.It holds substantial academic value and provides macroeconomic guidance for understanding the economic and financial development of a nation or an economic entity.Future research and expansion in this area could offer valuable guidance to policymakers,aiming to enhance the efficiency of financial resource utilization,stability of the financial system,sustainable financial development,digital transformation of finance,and the inclusivity of financial services.

关 键 词：商业性金融 政策性金融 合作性金融 三维金融架构 理论述评 

分 类 号：F830.2[经济管理—金融学]