创新和拓展保险资金的运用范围有利于推动金融结构转型长期以来,中国间接融资主导的金融市场结构使得融资效率较低,并积聚了较高的金融风险。金融机构各项贷款规模始终占据中国金融市场融资规模的绝大部分(见表一)。即便是在2006 Innovating and Expanding the Range of Application of Insurance Funds Helps to Promote the Transformation of Financial Structure For a long time, the structure of financial markets led by indirect financing in China has made financing less efficient and has accumulated a high financial risk. The scale of various loans of financial institutions has always dominated the financing scale of China’s financial markets (see Table 1). Even in 2006