| In 1990s, known as "miracle of East-Asia ", Japanese economy, cumbered with a large amount of non-performing loans, has fall into the desolate mire. But during this time, based on its sound market system, USA has achieved the fabulous economic growth. Paul Krugman, the represent of the economists who posses the same viewpoint, believes that the leading factor causing Japan's present predicament is BLS. Why dose different financial institute indict different outcomes? As one of the socialist market economic system reforming contents which China carries on at present, the innovation of financial institution, about how to draw lessons from international experience, combine it with the national conditions and set up effective financing system, has become a new subject.This paper begins with basic theories, then compares two sorts of popular financial institute and analyzes efficiency of financial institute in China. At last, it tries to set up a kind of analyzing frame. In general, this paper mainly has four parts:The first part is introduction. At this part, the purpose is to interpret the essence of financial institute and define the meaning of efficiency. In addition, related theories are put forwarded at end.The second part is presence analysis. From different angels, we propose three indexes: deposit-investment conversion ratio, financial operation efficiency, recourse distribution efficiency .According to the analysis, we reach the conclusion.The third part is international comparison. At this part we seek for the historic factors formulating different financial institute. We draw lessons from the comparisons of the performance of the financial institute.The forth part is conclusion. We conclude the principles and routes about theinnovation of the China financial institute.This paper has several innovations: first, clearly defines the intension of financial institute. Second, summarizes the theories of innovation. Third, proposes the brand-new innovation model. |
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