中国的金融业在近10年来快速发展,金融资产规模随着国内经济增长也实现了快速扩张,2013年我国金融资产规模达到174万亿人民币。预计在未来5至10年,我国金融业资产规模仍将保持15%~20%的增长速度。但是我国金融业过度依赖于银行业的发展,市场结构失衡。截止到2013年,我国商业银行资产达到了118.8万亿人民币,占到全部金融总资产的三分之二,远高于世界平均水平的43.5%。而在美国,资本市场 In the recent 10 years, China’s financial industry has been developing rapidly. The scale of financial assets has also expanded rapidly with the growth of the domestic economy. In 2013, the size of China’s financial assets reached 174 trillion yuan. It is estimated that in the next 5 to 10 years, the scale of assets in China’s financial industry will still maintain a growth rate of 15% to 20%. However, the financial industry in our country is overly dependent on the development of the banking industry and the market structure is unbalanced. As of 2013, China’s commercial banks reached 118.8 trillion yuan in assets, accounting for two thirds of the total financial assets, much higher than the world average of 43.5%. In the United States, the capital market