改革开放后,中国金融体系逐步完善,在日新月异的发展中,金融业取得了众多成绩,但是,在国际上却仍有着一定程度的脆弱性,其最大的来源是由于政府配置资源权力过大所导致的严重的道德风险和大量的或有债务。 After the reform and opening up, China’s financial system has been gradually improved. The financial industry has achieved many successes in its rapid development. However, there is still some degree of fragility in the world. The biggest source of this is due to the government’s excessive allocation of resources Serious moral hazard and substantial contingent liabilities.