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这篇译文的作者是西德斯图加特,巴登·维特伯格州储蓄银行的总经理。文章以一个外国经济界人士的角度对中国十年经济改革发表了自己的见解,尤其对金融改革、货币管理的措施、成功和不足作出了较客观的评价。作者认为使银行系统有效工作的条件和强烈的金融意识还没有真正形成,缺乏一个综合性的银行监督体系,认为我国需要银行体系在结构上重组,同时实现银行职能的转变,支付方式、投资、贷款方式的变化,为货币管理政策的执行创造先决条件。作者还强调:用对微观的方式即激发其内部动力来对待宏观经济是不行的。这些见解,对进一步深化我国的经济、金融改革,有一定借鉴意义。
The author of this translation is the Managing Director of the Savings Bank in West Stuttgart and Baden-Württemberg. The article, based on the perspective of a foreign economic person, made his own opinion on the ten-year economic reform in China. In particular, it made a more objective assessment of the measures, successes and shortcomings of financial reform and monetary management. The author believes that the conditions and strong financial awareness to make the banking system work effectively have not yet come into being. What’s more, there is a lack of a comprehensive banking supervision system, which means that our country needs to reorganize the banking system structurally, and at the same time realize the transformation of bank functions, payment methods, investment, Changes in the way loans are made create the preconditions for the implementation of monetary management policies. The author also emphasizes: It is not possible to treat the macroeconomy in a micro way, that is, to stimulate its internal motivation. These views have some reference to deepen our country’s economic and financial reforms.