加入WTO的国家要求金融市场开放,而金融市场开放对经济发展具有重要性以及潜在风险。一般的金融服务业的改革包括两部分,一是消除国内金融管制、重新建立起有效的金融监管体系、加强国内金融机构;二是对外开放市场。金融开放提高金融中介的效率,加速整个经济的发展。有效的金融中介使得风险分散机制更为完 The accession to the WTO requires the opening up of financial markets, and the opening up of financial markets is of great importance to economic development as well as potential risks. The reform of the general financial services industry consists of two parts. One is to eliminate domestic financial controls, re-establish an effective financial regulatory system and strengthen domestic financial institutions. The second is to open markets to the outside world. Financial liberalization will increase the efficiency of financial intermediaries and accelerate the development of the entire economy. Effective financial intermediation makes the risk diversification mechanism more complete