由于目前的金融体制还不能适应经济改革和发展新形势的需要，因此中国政府提出用3年左右时间大体建立与社会主义市场经济相适应的金融机构体系、金融市场体系和金融调控监管体系。在金融机构体系建设方面最重要的是加快银行的商业化步伐，加快健全适应现阶段中国国情的社会主义 Since the current financial system can not meet the need of economic reform and development, the Chinese government has proposed to roughly establish a financial institution system, a financial market system and a financial regulation and control system that are compatible with the socialist market economy in about three years. The most important thing in the construction of a financial institution system is to speed up the pace of commercialization of the banks, speed up the development of socialism that is appropriate to the actual conditions of China at this stage