金融效率与金融管理-管理科学与工程专业论文.docxVIP

摘 摘 要 本文首先介绍了金融效率的概念和分类，金融效率是指一国金融的运作能 力、对经济的贡献能力以及国家对金融调控能力的大小。金融效率可以分为三 个层次：金融的宏观效率，指金融对整个国民经济的作用能力；金融的微观效 率，指金融机构的运作效率；金融市场效率。 ／ 之后，本文分析了中国金融效率的现状。队金融的宏观效率来看，货币 ＼ 政策效率在通货膨胀时期与通货紧缩时期存在明显的不对称，在通货紧缩时期 货币政策效率不足，国家通过货币政策调控经济的能力不强；金融对社会资源 的配置严重偏离经营效益、社会效益最大化的原则；储蓄向投资的转化效率较 低；从金融的微观效率看，国有商业银行赢利能力不强，资本充足率不足，经 营管理水平低下；从金融市场效率看，市场透明度不高，投机气氛浓厚，国家 、／ 通过金融市场推动现代企业制度建立的目标远未实现。， 影响金融效率的主要因素包括金融主体、金融制度与金融环境，因此， ， 提高金融效率的途径在于提高金融管理的有效性。借先，必须深化国有商业银 I 行产权制度改革，完成国有商业银行的股份制改造和上市；加强金融监管，保 证金融行为的合理性、合法性和金融安全性；促进金融创新，提升国有商业银 行的核心竞争力。对于金融市场而言，必须扩大市场规模，提高市场质量，提 高直接融资在整个融资格局中的比重。其次，必须对影响金融效率的制度框架 进行改革，文章主要分析了混业经营与审慎的金融自由化的可行性与必要性。 最后，金融的发展离不开所存在的环境，重建社会信用基础是一切金融改革和 发展的前提。y。 发展的前提。y 。 √ 、／ √ 关键词：金融效率；产权制度： 金融创新：交易成本；信用 y AbstractThis Abstract This paper first introduced the concept and classification of financial efficiency．Financial efficiency is referred to the ability of financial operation，the ability of contribution to economy and the control ability of a country．Financial efficiency can be classified as three levels．The first one is financial macro．efficiency which is the ability to influence national economy．The second one is financial micro—efficiency which is the efficiency of financial institution’S operation．The third one is financial market efficiency Later,this paper analyze the condition of Chinese financial efficiency．Judging from financial macro-efficiency,we can see that the efficiency of monetary policy is obviously asymmetric in the inflation period and deflation period，the ability to control the national economy is weak，the allocation of capital is devimed from the benefit of operation and the rule of social utility maximization and the efficiency for savings to investment is low．Judging from the efficiency of micro-efficiency, we can see that state—owned commercial banks have low ability to make interest， the CAR is not enough and the management is not very good．Judging from financial market efficiency,we can see that the market is not transparent，the atmosphere of sp