解决金融业的问题有三个基本要素:“体、境、魂”。“体”指金融自身物质层面,包括深化改革、加强监管、完善体制机制、提高管理能力、提高员工素质等。“境”指社会环境,包括经济的稳健发展、法制的健全、社会信用状况的改善以及国际金融环境的优化等。“魂”就是金融文化。在这个大前提下,我谈几个观点。什么是金融文化文化是人类特有的。金融文化是人类共性文化在金融领域的具体体现。金融文化说复杂非常复杂,涉 There are three basic elements for solving the problem of the financial industry: “body, environment, soul ”. “Body ” refers to the financial aspects of their own material, including deepening reform, strengthening supervision, improving institutional mechanisms, improve management capabilities, improve staff quality and so on. “Environment ” refers to the social environment, including the steady economic development, the legal system, the improvement of social credit conditions and the optimization of the international financial environment. “Soul ” is the financial culture. Under this major premise, I will make a few observations. What is Financial Culture Culture is human-specific. Financial culture is the embodiment of human common culture in the financial field. Financial and economic complexities are complex and involve