改革开放使我国的金融市场从无到有、从小到大，市场功能更加明显。但也存在一些问题，主要是市场规模偏小，融资行为不够规范，利率机制失灵。究其原因在于银行主体、企业主体均缺位，政府角色错位以及制度缺陷。作者建议对金融市场仍需采取以扶持为主的方式，放宽金融市场准入限制，理顺资金价格关系，加强股票市场的运作管理，加快金融法规的制订和完善，大力发展证券市场以建立一个有序竞争、规范化的金融市场。 Reform and opening up make our financial market from scratch, from small to large, the market function is more obvious. However, there are also some problems, mainly due to the fact that the market size is small, the financing behavior is not standardized and the interest rate mechanism fails. The reason is that the main body of the bank, the lack of business entities, the role of government dislocation and system defects. The author suggests that the financial market still need to take the supportive approach, relax restrictions on financial market access, straighten out the relationship between capital price, strengthen the operation of stock market management, speed up the formulation and improvement of financial laws and regulations, and vigorously develop the securities market to establish a Orderly competition, standardized financial markets.