【作者】 文豪；

【导师】 白钦先；

【作者基本信息】 辽宁大学 ， 金融学， 2013， 博士

【摘要】 金融是现代市场经济的核心，中国经济正朝着现代市场经济方向前进。面对来自国内外的一系列挑战，中国需要转变经济发展方式，与此相适应，中国也需要转变金融发展方式。本文以中国金融发展方式的转变为研究主题，以中国经济发展方式的转变为直接目标，围绕着对中国模式的成绩与挑战、特点与成因、现状与发展前景的分析研究展开，根本宗旨在于使中国走上全面协调的可持续发展的金融强国之路，建设一个经济可持续发展的科技创新强国，建设一个自由民主文明富强和谐之国，实现中国和平崛起、中华民族伟大复兴的宏伟蓝图。本文共分为7章，第1章为绪论，其余5章为正文，分别解决“转变”是何含义、为何而转、向何处转、转什么、如何转这五个问题，第7章以政策建议与发展展望作结收束。7章共同构成一个层次清晰、逻辑严谨的论述框架。第1章，交代研究中国金融发展方式转变的背景，研究该主题的现实意义与理论意义。在厘定了金融、金融发展、金融发展方式转变含义的基础上，梳理与本主题研究相关的理论文献。确立了研究中国金融发展方式转变的价值前提，提出了环境-文化-制度-结构-功能的新分析框架，为研究的展开奠定了方法论基础。第2章，结合对中国模式的梳理来探讨中国金融发展方式转变的内涵。首先探讨了金融危机前后中国发展模式遭遇到的重大挑战，继而探讨了转变中国金融发展方式的内涵：金融发展方式转变要服务于经济发展方式转变；金融发展方式转变要改变金融结构的失衡；金融发展方式的转变要通过金融体制改革进行。最后探讨了政府在经济金融发展方式转变中的作用。第3章论述中国金融发展方式转变何以必要。结合中国现实中的重大金融问题的产生机理，梳理改革开放以来的中国金融发展历程；结合党和国家领导人对于经济发展方式转变的相关论述，阐发了经济可持续发展对于金融发展方式转变提出的要求；并进而从金融可持续发展的角度论述了中国金融发展方式转变的必要性；最后论证建立金融发展方式也是建立生态美好的和谐中国的需要。第4章，探讨中国金融发展方式转变的方法论、理念与原则。基于对德国、日本、美国等国家金融发展过程中经验教训的分析，利用战略管理方法建立起中国金融发展方式转变的规划框架。通过对中国金融发展的内外环境的分析，提出中国金融发展方式转变的目标模式——建立起一个可以支持中国经济可持续发展、社会和谐和民生幸福的功能强大的金融服务体系，并进而提出了以和谐看待发展、以自由看待发展、以仁爱看待发展的发展理念更新，并在金融领域里落实为金融可持续发展，在此基础上提出了中国金融方式转变应遵循的一系列原则。第5章，探讨中国金融发展方式转变的内容。由行政为主导转向以市场为基础注重法治的发展方式；由强调金融自身利益转向金融服务于实体经济的发展方式；由注重外延扩张的量性发展转向强调内涵提升的质性发展方式；由强调金融安全转向以公平带动效率提升的发展方式；由主要强调商业性金融转向强调三维金融合作互补的发展方式；由主要强调大城市大企业大项目转向大小均衡的发展方式；由强调全国性机构扩张转向强调服务地方经济的发展方式；由强调国家金融转向充分发挥民间金融活力的发展方式；由强调对外开放优惠转向统一内外国民待遇的发展方式。核心是从精英金融转为普惠金融，从技术金融工程金融转为人文金融人本金融。第6章，为中国金融发展方式的转变设计改革蓝图。提出了中国金融发展方式转变的理想道路与前提假设：在重建改革共识的基础上进行有效的理论创新；政府从全民利益出发约束自己的权利，依法建立权力的边界，自觉建立金融制度变革的法治基础；金融界主动放弃依靠政府保护获利的旧盈利模式；国民对于金融制度变革带来的金融风险和选择难题具有一定的承受能力。然后，结合金融体制改革的历史与现实，分析了制约中国金融发展方式转变的各项现实因素及其作用机制，提出了促进金融发展方式转变的金融改革方案的总体设计与实施规划；要重视金融教育与文化建设；要发挥比较优势实现经济金融发展方式转变。作为收束，我们以第7章的政策建议与发展展望结束本文。在本章中提出了整体设计、上下互动、内外协力推进金融发展方式转变的思路，即：在思想理论准备方面建立起自由探讨学术问题、进行理论创新与价值观重建的舆论和出版基础；转变政府角色定位，建立金融体制重构的法治基础。提出了转变金融发展方式的具体政策建议，即：建立三维一体的新金融架构；改变金融行业的准入方式，实现对内开放与对外开放的均衡；充分重视社保金融；塑造金融发展方式转变的外部财政环境；建立金融发展方式转变的法治框架。最后，提出只要认真扎实地推进中国金融发展方式的转变，中国金融强国的建设是可以期待的，而金融发展的最终目的是要造就良风美俗，服务于民生幸福。更多还原

【Abstract】 Finance is the core of the modern market economy, and China’s economy ismoving in the direction of the modern market economy. In the face of a series ofchallenges from both at home and abroad, China needs to change the mode ofeconomic development, and correspondingly, China also needs to change the mode offinancial development.The research theme of this paper is the transformation of China’s financialdevelopment mode, with the transformation of China’s economic development modeas its direct aim, and analyzing the achievements and challenges, characteristics andcauses, and current situation and future development of Chinese Model. ChangingChina’s financial development mode fundamentally aims to make China on the roadto be a financial power with comprehensive, balanced and sustainable development,to built it to be a science and technology innovation power with sustainable economicdevelopment and a country of freedom, democracy, civilization, prosperity andharmony, and to realize China’s peaceful rise and the grand blueprint of the greatrejuvenation of the Chinese nation.This paper will be divided into seven chapters. Chapter1is the introduction, andthe following five chapters are the main body parts, respectively to solve fiveproblems of what the "transformation" is, why tansforms, where, what and how totansform. Chapter7concludes with the policy suggestions and prospect of itsdevelopment. The seven chapters constitute an argument framework which is clearand logical.The introduction states the study background of the transformation of the China’sfinancial development mode, and the practical significance and theoreticalsignificance of this research theme. Based on defining the meanings of finance,financial development, and the transformation of financial development moderespectively, it sorts out theoretical literatures related to the research theme. This partalso establishes the value premise of studying the transformation of China’s financialdevelopment mode, and put forward a new analysis framework (Environment-culture-Institute-Structure-Function), which lays a methodology foundation for thisresearch.Chapter2explores the connotation of the transformation of the mode of China’sfinancial development, combined with the classification of the China Mode. Bydiscussing the great challenges which China Mode encountered before and after thefinancial crisis, it explores the connotation of the transformation of the mode of China’s financial development: Dealing well with the dialectical relationship betweenfinancial development financial reform, and financial security; Change financialstructure imbalance; Change the way of financial development by the way of financialsystem reform. Finally this paper discusses the government role in economic andfinancial development mode change..Chapter3explains why the transformation of China’s financial developmentmode is necessary. a) It sorts out the process of China’s financial development sincereform and opening up, combined with the generating mechanism of the majorfinancial issues in China. b) It elucidates the requirement of the transformation of thefinancial development mode from the sustainable economic development incombination with relevant arguments of the transformation of economic developmentmode from CPC and the state leaders. c) It explains the necessity of changing thefinancial development mode with respect to sustainable financial development. d) Italso argues that the transformation of financial development mode is necessary toestablish ecologically good and harmonious China.Chapter4explores the methodology, objectives and principles of thetransformation of China’s financial development mode. Based on the analysis ofexperience and lessons from Germany, Japan, and the United States, it builds up theplanning framework of the transformation of China’s financial development mode byemploying the method of strategic management. It also puts forward a series ofprinciples of the transformation.Chapter5discusses the content of the transformation of the mode of China’sfinancial development: a) From the administration as dominant mode to market-basedand law-concerned mode. b) From emphasis on self-interest to emphasis on servingthe development of the real economy. c) From the emphasis on financial security toarising efficiency by fair development. d) From the main emphasis on commercialfinance to emphasis on three-dimension finance. e) From the big enterprise projectfocuses in big cities to size balanced development mode. f) From the emphasis on thenational institution expansion to emphasis on serving on local economic development.g）From emphasis on the state finance to giving full play to the development of thefolk financial vitality. h) from being preferential to outside world to equality of bothinside and outside national treatment.Chapter6designs reform blueprint for the transformation of the China’s financialdevelopment mode. It puts forward ideal road and premise of the transformation.Then it analyzes the various realistic factors and its mechanism of action ofconstraining the transformation, and puts forward the overall design and implementation plan of promoting the transformation, in combination of the historyand reality of financial institution reform. It also proposes that we should attachimportance to financial education and cultural construction, and make use ofcomparative advantage to realize the transformation of economic and financialdevelopment mode.This paper ends up with policy recommendations and development outlookconcerned with the transformation. a) setting up public and publishing foundation offreely discussing academic problems, carrying out theoretical innovation andreconstruction value in theory. b) changing the role of government and constructionthe law-ruled foundation for reconstruction of financial institution. Some specificpolicy recommendations are as follows:1) The establishment of a new three-dimension integrated financial architecture.2) Changing the market access way of financial industry to realize the balance ofthe internal and external opening.3) Attaching great importance to the social security finance4) Molding the external fiscal environment of the transformation.5) Establishing the law-ruled framework for the transformation.It also argues that it is expected to construct China to be a financial power if weadvance the transformation of China’s financial development mode seriously andpersistently; the ultimate goal of developing finance is to serve the happiness of ourpeople.更多还原