CAJ | 학술논문

当前阻碍中国金融可持续发展的若干问题是：中国目前的汇率制度使美国量化宽松的货币政策对中国经济发展造成危害极大；中国的金融资产量大质低；金融监管跟不上影子银行的发展；人民币国际化缺少可定价的大宗商品。改革路径在于：单边开放资本与金融账户；金融资产“量”降“质”升；适应全球金融机构综合经营的趋势，逐渐放宽金融机构的混业经营步伐，同时辅之于综合监管；出台相应的法律、法规，促使民间金融发展，以满足中小微企业融资需求；取得对大宗商品或虽非大宗但属战略性资源商品的定价权。
당전조애중국금융가지속발전적약간문제시：중국목전적회솔제도사미국양화관송적화폐정책대중국경제발전조성위해겁대；중국적금융자산량대질저；금융감관근불상영자은행적발전；인민폐국제화결소가정개적대종상품。개혁로경재우：단변개방자본여금융장호；금융자산“량”강“질”승；괄응전구금융궤구종합경영적추세，축점방관금융궤구적혼업경영보벌，동시보지우종합감관；출태상응적법률、법규，촉사민간금융발전，이만족중소미기업융자수구；취득대대종상품혹수비대종단속전략성자원상품적정개권。
There are several problems which impede China＇ s financial sustainable development. The present China＇ s exchange rate regime has made the American quantitative and loose monetary policy damage China＇s economic development greatly. Present China＇ s financial assets are lower in quality but greater in quantity. China＇ s financial supervision lags after the development of shadow bank. Reform route is as follow. Capital and financial accounts should be open as one side. China＇ s financial assets should be higher in quality and lower in quantity. Financial deregulation and integration should be gradually widened with comprehensive supervision in order to adapt the trend of comprehensive services of the global financial institutes. Relative laws and rules of folk finance should be set up in order to satisfy the financing needs of small and medium - sized enterprises. It is important to obtain the pricing rights for staple commodities or stratezic resource commodities.