【作者】 宋艳林；

【导师】 俞梅珍；

【作者基本信息】 华南师范大学 ， 政治经济学， 2003， 硕士

【摘要】 经济发展导致金融深化。成熟市场经济国家的发展历程表明，金融深化必然伴随着金融结构的改善，而在此过程中，非银行金融机构在整个金融结构中的比重会不断提升。非银行金融机构业务灵活多样，能有效满足一个不断发展的经济环境中居民和企业多样化的金融需求，全面实现金融体系的基本职能，提高金融效率，促进实体经济的发展。在中国体制变革的过程中，与经济快速增长、经济货币化和金融化高速推进相伴随的是，非银行金融机构的比重没有相应地提升，同时其内部结构也不合理。非银行金融机构发展的这种滞后状况，制约了中国金融体系效率的提高和实体经济的健康发展。对中国非银行金融机构发展滞后的原因的分析是本文研究的重点之一。本文认为，中国经济发展水平总体落后，制约了居民和企业的多样化的金融需求，限制了金融业内部的分工；而在体制变革的过程中，国有银行非理性扩张，不仅造成了对非银行金融机构发展的“挤兑”，同时其孕育的金融风险也恶化了非银行金融机构成长的环境；从制度变迁角度分析，中国非银行金融机构的产生是改革开放以来金融制度变迁的产物，因而金融制度变迁的方式决定了中国非银行金融机构发展的特点。市场机制尚未充分发挥作用，微观经济主体还未真正建立排他性产权，从根本上决定了中国非银行金融机构发展的滞后状况。本文最后提出了当前中国非银行金融机构发展的对策。更多还原

【Abstract】 Economic development causes financial deepen. The course of economic development in developed market country indicate financial deepen must follow improvement of financial structure, and among the course, the proportion of non-bank financial institutions will increase constantly. Non-bank financial institutions can meet residents and enterprise’s diversified financial demands, realize the basic function of the financial system to the full, improve financial efficiency and promote the development of real economy. In the course of China’s system reform, economy increases fast, economic monetization and financization moving forward at a high speed, but the proportion of non-bank financial institutions has not increased correspondingly, and its inside structure is unreasonable also. The development of non-bank financial institutions is held up, which restricts the efficiency of China’s financial system and the development of the real economy. The thesis places emphasis on analysis the reasons that China’s non-bank financial institutions is held up. The thesis thinks China’s economic development level has restricted the diversified financial demands of the residents and enterprises, has limited the division of labor within financial circles; In the course of China’s system reform, the irrational expanding of state-owned banks caused "run on a bank" to non-bank financial institutions, and the financial risks which were pregnant by state-owned banks worsen the development environment of non-bank financial institution too; From the institution vicissitude point of view, the production of China’s non-bank financial institutions was the result of financial institution vicissitude since reform and open to the outside world, therefore the way of financial institution vicissitude determine the development characteristics of non-bank financial institutions. Market mechanism has not fully brought into play and enterprise has not really set up exclusiveness property right, which have fundamentally determined the lagging condition of China’s non- bank financial institutions. Finally, the thesis puts forward some proposals on the development of China’s non-bank financial institutions.更多还原