深化金融体制改革不仅是建立社会主义市场经济体制的重要环节,而且是工商企业深化改革、转换经营机制的迫切需要。因此,笔者认为,要建立适应市场经济需要的金融机制,其核心是转化信贷管理机制,按照社会主义市场经济的运行规律,科学、合理地安排信贷资金的投向及投量,形成银行信贷管理市场化的监控机制。 Deepening the reform of the financial system is not only an important link in the establishment of a socialist market economy, but also an urgent need of industrial and commercial enterprises to deepen reforms and transform their operational mechanisms. Therefore, in my opinion, to establish a financial mechanism that meets the needs of the market economy, the core of which is to transform the credit management mechanism and scientifically and reasonably arrange the investment and investment of credit funds in accordance with the operating rules of the socialist market economy so as to form a market for credit management in the banking sector The monitoring mechanism.