从1978年改革开放开始的30多年内,银行对中国经济具有主导作用。银行体系之外的融资占比非常小,权且可称为大银行时代。大银行时代之后,我们进入大资管时代,也叫大财富管理时代。近年来,银行、信托、券商和保险等金融机构,再加上影子银行,包括互联网金融所做的各类资管产品,呈现爆炸性的增长。关 In the more than 30 years since the reform and opening up began in 1978, banks have played a leading role in the Chinese economy. Financing outside the banking system accounted for a very small proportion, and can be called the era of the big banks. After the era of big banks, we entered the age of big money management, also known as the era of wealth management. In recent years, financial institutions such as banks, trusts, brokerage firms and insurance companies, as well as shadow banking institutions, including various types of managed products made by Internet Finance, have enjoyed explosive growth. turn off