The Research Of Unbalanced Development Between The Financial Industry And The Real Economy

After the outbreak of the2008international financial crisis, the economy ofChina has been seriously disadvantaged. There is a phenomenon which the realeconomy gets cooler while financial industry is overheating,which the monetary andfinancial put a lot of funds but the efficiency of the funds is lower in the economicsystem. In today’s highly globalized economy, the financial industry has more andmore important significance in the healthy development of a country’s economy. Theproblem that excessive development of the financial industry led to the financialcrisis and economic crisis constitutes the core of virtual economy. Our country has ahigh degree of attention to the development of financial industry, but the open degreeof our country’s financial industry is gradually increasing at present, the financialindustry and its service system, industry regulatory system, related policy system andthe relevant industry standards are still in the perfecting stage. The significance tomake clear the relationship between the financial industry and real economy is verygreat. From the point of the real economy, we should grasp the problem of financialmarketization, correctly guide and steadily push forward the development of financialindustry, fully play the positive role in the financial industry. At the same time,weshould pay attention to kinds of problems about the financial industry developmentin order to the healthy development of the whole economic system.In this article, it firstly analyzed the balanced development status of the financialindustry and the real economy though the theory, it demolished the theory ofmonetary finance and real economy without any relation from the negation ofthe theory hypothesisand and the framework through the Walras general equilibrium,and it determined the impact of the financial industry to the economic output throughthe Edgeworth box diagram and it analyzed The theory of Freedman that establishedthe auxiliary role of the financial industry in the economic development. It analyzedthe reason why the excessive marketization squeeze the real economy. Secondly, it analyzed the cause of unbalanced development problem status. The monopoly ofstate-owned banks and the financing difficulties of medium-sized enterprise hascaused imbalance between them. Thirdly, it analyzed the development status of thefinancial industry and the real economy, the unbalanced problem which is mainlyreflected in their alienation between the development of the financial industry and thereal economy, the influence of the financial risk for the real economy and how theexcessive marketization squeeze it. Finally，And on this basis, it put forward thecountermeasure and suggestion,make sure that the most efficient way to allocation ofresources and organize production is marketization. Government only play aregulatory role, that it should "manage" to "govern" the financial industry and thereal economy, with the checks and balances to get the balances. From "manage" to"govern", although both two words have very similar meanings,it opened a new eraof the development of the financial industry. We should ensure that the status of thereal economy in economic development and promote the development of the realeconomy. At the same time, we also should prevent blind investment and reduce theovercapacity of the part of the real economy. We should carry out thereform of financial system, strengthen innovation and guide its healthy developmentin order to better serve to the real economy.