随着中国经济高速发展,居民、企业对金融产品的需求不断扩大,内生于市场需求的影子银行业务、互联网金融等金融创新不断涌现,给我国金融业注入了活力。然而,现行的由政府主导型的金融体制,虽然在由计划经济向市场经济转型的过程中,对我国金融业的建立、发展和深化起到了极为重要的作用。但其过度的金融垄断,阻碍了金融创新的发展和金融业改革的深化,造成了资金总量过剩而结构紧张、效率低下、资源错配等现象。对此,本文提出了如何通过金融立法来理顺政府干预行为,以保障金融市场化的健康发展。 With the rapid economic development in China, the demand for financial products by residents and enterprises is constantly expanding. Financial services such as shadow banking and internet finance, which are born of market demand, are constantly emerging, injecting vitality into China’s financial industry. However, the current government-led financial system plays an extremely important role in the establishment, development and deepening of China’s financial industry during the transition from a planned economy to a market economy. However, its excessive financial monopoly has hindered the development of financial innovation and the deepening of the reform of the financial industry, resulting in such phenomena as excess funds, structural tensions, inefficiencies and misallocation of resources. In this regard, this paper proposes how to rationalize government intervention through financial legislation to ensure the healthy development of financial market.