一个时期以来,我国金融领域一方面是银行业利润井喷式增长,一方面是实体经济经营越来越难,特别是中小企业和农民融资难的问题没有从根本上解决。出现这种现象,到底是哪出了问题,笔者认为病根在我国的金融体制。从目前来看,我国的金融业还没有形成与市场经济体制相适应的体 Since a certain period of time, the financial sector in our country has witnessed the spurt of growth in banking profits. On the one hand, it has become increasingly difficult for the real economy to operate. In particular, the problem of financing difficulties for SMEs and peasants has not been fundamentally solved. This phenomenon appears, in the end is out of the question, I think the root cause of illness in our country’s financial system. At present, China’s financial industry has not yet formed a body that is compatible with the market economic system