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金融是我国国民经济宏观调控的重要手段。国家通过中国人民银行、中国工商银行、中国农业银行、中国银行、中国人民建设银行,中国人民保险公司和农村信用合作社等组成的社会主义金融体系,有计划地调节全国的货币流通和组织信用活动,以动员和分配社会资金,支持社会生产,对促进经济稳定发展,稳定市场,安定社会,起到了不容置否的巨大作用。但由于近几年经济增长较快,固定资产投资规模过大和消费基金膨胀,造成社会总供需严重失衡,并反作用于各行业对银行货币信贷更多的需求。为克服当前经济困境,充分发挥金融的宏观调控机能,加快金融立法越发显得重要,已成为金融法理论工作者、实际工作者以及金融系统广大干部和职工十分关注的课题。本文拟从金融立法的紧迫性及构想作初步探讨。
Finance is an important means of macro-control of our national economy. The state’s socialist financial system comprising the PBC, ICBC, Agricultural Bank of China, Bank of China, People’s Bank of China, People’s Insurance Company of China and Rural Credit Cooperatives have systematically adjusted the country’s currency circulation and credit activities In order to mobilize and allocate social funds and support social production, has played an invaluable role in promoting stable economic development, stabilizing the market and stabilizing the society. However, due to the rapid economic growth in recent years, the over-investment in fixed assets and the expansion of consumer funds have caused a serious imbalance in the overall supply and demand of the society and have reacted to the ever-increasing demand for bank currency credit by various industries. In order to overcome the current economic difficulties, give full play to the macro-control functions of finance and accelerate the acceleration of financial legislation, it has become a topic of great concern to the theoreticians, practitioners of the financial law and cadres and workers in the financial system. This article intends to discuss the urgency and conception of financial legislation.