2015年来我国GDP增长速度破7,是为解决资金分布不合理,与经济结构调整和转型升级的要求不相适应等问题的尝试。2013年7月5日,国务院办公厅日前发布《关于金融支持经济结构调整和转型升级的指导意见》,意见中重点提出,对中小金融机构继续实施较低的存款准备金率,增加“三农”、小微企业等薄弱环节的信贷资金来源。本文通过三种基本银行组织形式为切入点,讨论新形势下,当前中国的经济困境以及缓解目前经济结构性矛盾的可行方法,即建立以单一银行制为主的中小型银行。 Since 2015, China’s GDP growth has been shattered 7, which is an attempt to solve the problem of unreasonable distribution of funds, incompatibility with the requirements of economic structural adjustment and transformation and upgrading. On July 5, 2013, the General Office of the State Council recently released the Guiding Opinions on Adjusting, Upgrading and Upgrading Financial Support to the Economic Structure. In its opinion, it was put forward that we should continue to implement lower deposit reserve ratios for small and medium-sized financial institutions and increase the “ Farmers ”, small and micro enterprises and other weak sources of credit funds. Through three basic bank organizational forms, this paper discusses the current economic dilemma in China and the feasible method of alleviating the current structural contradictions in the economy. That is, to establish small and medium-sized banks based on a single banking system.