刍议金融自由化的利弊

On the Advantages and Disadvantages of Financial Liberalization

摘要: 20世纪80年代以来，随着全球地区间贸易往来更加频繁，经济联系愈发紧密，科学技术日新月异，全球经济快速增长，金融业迎来蓬勃发展，金融全球化趋势日益凸显。越来越多的国家为了更好地融入全球金融体系，陆续展开了一系列金融改革，围绕金融机构、金融业务、金融监管等领域问题进行了探索，以期通过优化现有金融体系运行机制，进一步释放金融产业活力、发挥金融市场作用。金融自由化在这样的背景下被提出并逐步走上历史舞台。然而，金融自由化在被寄予“厚望”的同时，其进程也经历了诸多考验，遭到一些质疑。本文试着对金融自由化的利与弊进行探讨分析，进而提出对策建议。

Abstract: Since the 1980s, with the global regional trade more frequent, increasingly close economic ties, science and technology change with each passing day, the rapid growth of the global economy, the financial industry to usher in the booming development, the trend of financial globalization has become increasingly prominent. In order to better integrate into the global financial system, more and more countries have launched a series of financial reforms and explored issues concerning financial institutions, financial business and financial regulation, with a view to further releasing the vitality of the financial industry and giving play to the role of financial markets by optimizing the operating mechanism of the existing financial system. In this context, financial liberalization was proposed and gradually stepped onto the historical stage. However, while financial liberalization is placed on “high hopes”, its process has also experienced many tests and met with some doubts. This paper tries to discuss and analyze the advantages and disadvantages of financial liberalization, and then puts forward countermeasures and suggestions.