必须尽快明确金融改革方向,确立符合我国国情的金融体系发展模式。 目前,国际上出现了银行业合并浪潮,在发达国家也出现了大银行对个人信贷的扩张。因此,不少人主张我国也应加强银行兼并、扩大银行规模,以与国外大银行竞争。近来不少人希望以二板市场来解决中小企业的融资需求。金融领域的任何创新,都是适应实物经济的要求而产生的。从根本上说,金融体系的模式选择要 The direction of financial reform must be clarified as soon as possible to establish a model for the development of the financial system in line with China’s national conditions. At present, there has been a wave of banking mergers in the world. In the developed countries, there has also been an expansion of personal credit by big banks. Therefore, many people advocate that our country should also strengthen bank mergers and expand the scale of banks in order to compete with large foreign banks. Recently, many people hope to solve the financing needs of SMEs by using the second board market. Any innovation in the financial field is generated by the requirements of the real economy. Fundamentally speaking, the financial system to choose the model