【摘要】 我国金融结构已由"绝对银行化"变为"相对银行化",但这种变化只是数量的变化,金融效率仍然非常低下。银行方面表现为不能满足各经济主体金融服务的需求,银行体系已经产生巨大的金融风险。证券市场表现为作为证券市场主体的上市公司质量低下。造成效率低下的主要原因在于政府赋予国有银行对银行业的垄断和赋予国有企业在证券市场的独占地位。更多还原

【Abstract】 The financial structure in China has changed from absolutely bankbased to relatively bankbased. But the change took place only in quantity. The financial efficiency is very low. The shortcomings include: the temporary banking industry can not meet the demands of economic entities and have produced great financial risk; low quality firms congest the temporary capital market. The reasons that cause low efficiency come from the monopoly of state run banks and state run enterprises from the government in financial industry.更多还原