金融的

The trend in the financial opening up, the field of international financial cooperation have been strengthened, and China's financial system is in a closed economy set up with the situation, the corresponding level of economic development constraints, the formation of a strict financial controls, financial supervision and inadequate Situation, in an open situation, such a closed financial system is bound to be adjusted.

搞要： 在金融开放的趋势下，金融领域的国际合作不断增强，而我国的金融体系是在封闭经济状况下建立起来的，受相应的经济发展水平的制约，形成了金融管制过严、金融监管不力的局面，在开放的形势下，这种封闭的金融体系势必要调整。

The author believes that financial liberalization and financial internationalization should be a gradual process; the process of financial liberalization should fit the process of market development, and that reform in all kinds of financial organizations should be carried out conformably.

要保证金融自由化的顺利推进，必须在推进金融深化的过程中，结合本国金融改革的现实条件和制度风险，加强对金融市场和金融机构的监管。

It starts from the explanation of the definition and the connotation of the fiscal and finance risk, then respectively analyzes the producing mechanism of them, while thinking that the mechanism has both the similarity of all and uniqueness of China. This part also analyzes the cause of the mutual conversion of the two kinds of risks based on the analysis of the ways and the manifestation of it, while thinking that the ultimate cause is the operation of the unity of the two opposites and the existence of the paragenesis relations between them.

这一部分从财政风险和金融风险的概念和内涵入手，分别分析了财政风险和金融风险的的生成机制，认为财政风险和金融风险的生成机理既具有一般性，在我国又具有特殊性；从财政风险与金融风险的相互转化的路径和表现着手，分析了这两种风险相互转化的原因，认为财政风险与金融风险紧密相连，相互转化的根本原因在于财政和金融之间是对立统一的关系，具有共生性。

After the discussion of the history, present situation of rural financial system in our country and the experience of foreign countries, the theoretical substratum target choosing are expounded.

提出了在四条原则基础上构建在政府指导下的以中小金融机构为主的，商业性金融、合作性金融和政策性金融等多种组织形式相互竞争、协同发展的混合型的农村金融体系。

The theory of finance innovation is very wide, but here the core problem focus onfinance concepts and risk tergiversation in the process of finance innovation.

金融创新理论，主要包括两个部分，一是金融创新综述部分，包括创新、金融创新的概念，金融创新的基本类型等，这个部分主要对金融创新进行概念性的描述

Therefore, research on the relationship between the financial derivatives instruments innovation and financial tax system not only help to enhance our competitiveness in the financial services sector and respond to impact on the financial system by financial instruments rapid innovation , but also establish conductively china's financial system which is not contrary to international practice and can progress forward-looking orientation studies to financial tax system of future financial instrument.

因此，对金融工具的创新与金融税制之间的关系进行研究，不仅有利于增强我国金融业的竞争力，应对金融工具的日新月异所带来的对金融税制的冲击，也有利于我国金融税制的建立和健全是朝着既不违背国际惯例，又可以对未来金融工具的税收制度进行前瞻性研究的方向前进。

Financial innovation affects financial regulation determinatively as a law of development. Although financial regulation has an impact on financial innovation at a specific time, it would finally meet the need of the latter.

金融创新作为客观发展规律对金融监管的影响是决定性的，金融监管在某个时段可能会影响金融创新，但它最终要适应金融创新的需要。

But as One-Stop fiscal service can almost surely leat to monopolies in the market by several fiancial giants,especially in the market of financial management as fiscal products design become more and more complicated,fianancial giants' brand effectiveness garadually replaced strict financial supervision and serious products identification,as customers can't understand this products,they are acctually pick brand and buy commitments.

但由于&一站式&的金融服务几乎必然导致少数金融巨头的市场垄断，特别是在金融产品的设计越来越复杂的理财产品市场中，金融巨头的品牌效应逐渐替代了严格的金融监管和认真的产品鉴别，许多客户在无法理解这些金融产品的时候，实际上只是在挑牌子，买承诺。

Therefore, we should proke into historical causes and practical imperfections of China's financial legislation from a historical perspective. Thus we can put forward constructive proposals that would push the reforms of financial system forward and make the financial legislation perfect by comparing with

因此以发展的、历史的眼光，在比较的基础上总结发达国家与制度转型国家的金融立法经验，探询中国金融立法不完善的历史原因和现实不足，提出推进金融体制改革、完善金融立法的建议，对我国金融立法的理论发展和金融体制改革大有裨益。

After the accesssion to wto, our Financial market have to open to world Gradually so the Opposite and mature of mixed managing mode in Western country is must to be a Huge threat to our Financial market ,the Financial department's mixed managing mode has become a Inevitable Trend in our country , author intent to Analyze the research the Present condition of the Financial industry and the reportion of the International situation to Certificate the Necessity of the mixed managing mode and suggest the Measures to it's problem .

在国际经济一体化和金融国际化的浪潮下，我国分业模式下的金融体制日益暴露了整体竞争力不足的缺陷，再加入WTO以后我国金融行业逐步对外开放的背景下，西方国家相对成熟的混业经营模式必然对我国金融市场形成巨大的威胁，我国金融业的混业经营已成为不可扭转的历史趋势，本文旨在通过对我国金融市场现状的分析研究以及对国际金融形势的总结报告论证混业的必要性并对其可能带来的问题及解决措施提出一己之见，希望能够对&混业经营&有所帮助

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。