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摘要：当前，中国正处于经济转型的敏感时期，与此同时轰轰烈烈的金融改革也加速推进，虽然并未爆发大的经济危机，但各种矛盾开始凸显，那么，在现今银行、信贷融资机构共同支撑中国经济泡沫的复杂形势下，怎样稳步推进金融改革？如何把握控制好利率市场化的速度和节奏？相关汇率改革和货币投放政策要怎么合理安排？金融体制改革如何才能与其他领域改革如财税、实体部门改革发挥协同效应？这些都将成为中国面临的巨大挑战。32000
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本文主要通过理论分析研究中国泡沫经济发展史，揭示了其产生原因和当前状况，着重分析定向降准、利率市场化和存款保险制度等主要金融改革措施在其背景下推出时可能会面临的风险，进而提出一些个人建议，并得到这样的结论：中国经济要想实现全面市场化，必须制定出正确的改革次序，充分发挥经济、金融各领域之间的协同作用，但就目前相应改革机制还未有效建立的情况来看，中国的经济改革与金融改革仍然任重道远。
毕业论文关键词：泡沫经济 金融改革 利率市场化 存款保险制度
Risk Of China's Financial Reform Under The Bubble Economy
Abstract: At present, China is in a sensitive period of economic transformation while vigorous financial reform is also accelerated. Although large economic crisis has not been outbroken, various contradictions begin to be highlighted. Then, under today's complex situation which banks and credit financing institutions support the Chinese bubble economy, how to promote financial reform and make it steady? How to control the interest rate market and grasp its speed and rhythm? How to put the relating exchange rate reform and money supply policy into reasonable arrangements? How can financial reform and reform in other fields such as taxation, real sector exert synergies? These will be a huge challenge to China.
In this paper, the theoretical risk analysis of the development history of China's bubble economy reveals its causes and current situation. It also analyzes the risks that the major financial reform measures may be faced with the introduction of the time in their context. These measures include quasi directional drop, interest rate market and deposit insurance system.At last, it makes some personal recommendations and obtains this conclusion: If China's economy wants to achieve a comprehensive market-oriented, it must work out the correct order of reform and give full play to the synergy between the economic and financial various fields. However, at present, the appropriate reform mechanism has not been established, so China's economic reform and financial reform still remains to be done.
Key Words：bubble economy, financial reform, interest rate market, deposit insurance system
目录
一、引言 - 1 -
（一）研究背景 - 1 -
（二）研究意义 - 1 -
（三）文献综述 - 2 -
二、泡沫经济的起源分析 - 3 -
（一）泡沫与泡沫经济 - 3 -
（二）泡沫经济形成原因 - 4 -
（三）泡沫经济历史轨迹 - 6 -
1.上世纪90年代的第一类货币超发与通货膨胀 - 6 -
2.本世纪以来的第二类货币超发与房地产泡沫 - 7 -
3.2009年大规模信贷刺激政策与房地产全面泡沫化 - 10 -
三、当前中国金融改革主要措施 - 11 -
（一）央行定向降准，资金导向“三农”与小微企业 - 11 -
（二）利率市场化改革迈出新步伐 - 12 -