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制度可以分为正式制度与非正式制度,非正式制度包括道德观念、约束禁忌、文化传统、风俗习惯和意识形态。近几年来,中国金融市场的制度建设,主要表现在正式制度的建设和完善,而非正式制度的建设稍显滞后。这严重降低了金融市场的整体制度效率,制约了资本市场和国民经济的健康发展,影响了群众的金融生活质量。当前,推动金融非正式制度创新迫在眉睫,本文对创新的基本原则和创新的途径作了初步探讨。
Institutions can be divided into formal institutions and informal institutions. Informal institutions include moral concepts, taboos, cultural traditions, customs and ideologies. In recent years, the system construction of China’s financial market has mainly manifested itself in the construction and improvement of the formal system, while the construction of the informal system has lagged behind. This severely reduces the overall system efficiency of financial markets, restricts the healthy development of capital markets and the national economy, and affects the quality of financial life of the masses. At present, it is imminent to promote the informal financial system innovation. This article makes a preliminary study on the basic principles of innovation and the ways of innovation.