金融深化与金融约束:选择与放弃

金融深化论和金融约束论都是针对发展中国家的金融发展理论。本文在简要介绍这两种理论的基础上结合我国实际，分析了金融约束在我国的不可行性，并主张金融深化应成为我国金融发展的基本方向。但在推进金融深化的具体策略上，作者又认为我们不能照搬理论采取金融自由化，而应探索中国独特的金融深化之路。

Financial Deepening and Financial Restraint: Adopting or Abandoning

Both the theory of financial deepening and the theory of financial restraint are financial theories aimed at developing countries. After a brief introduction of these two theories, the paper analyzes the impracticability of financial restraint in China based on China''s reality. Further, the author advocates that financial deepening should be the basic direction of China''s financial development. But as to how to carry out financial deepening, the author holds that financial liberalization is not a good idea and we should try to find a way that is suitable to China''s own conditions.