From the beginning of the second half of the 20th century, an under current stream of negation on the new classical political economics is moving (1) microcosmic trend of economics; (2) interest relationship analysis trend of economies; (3) system analysis trend of economies; (4) the trend of economics on researching finance and its sustainable developing . from what have been mentioned above , the article focuses on the illustration of the micro base of financial enterprise institution ,in other words , the problems of financial property rights. The paper is organized into seven major parts: (1) Deseribes some principles of the west property rights economics; (2) Quotes the theory of property rights to financial economics so as to study on financial enterprise institution; (3) In the light of Chinese specific condition, analysises the problem of property rights of financial enterprise; (4)?5) Cites the base theory of property rights and financial economics to study on the problem of property rights of financial enterprise; (6) Pointes out the theory of institutional innovation of bank ,of security company, of insurance company; (7) With Chinese entry to the WTO , the paper comes up with that we must propel the innovation of the finance.
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