To change this, the government needs to promote market-based credit allocation. China needs a flexible and efficient financial sector, underpinned by an effectively supervised and regulated capital market, to avoid asset bubbles and support productive and innovative firms.
目前，中国的金融体系受到严格监管并由银行（其中许多为国有银行）主导。要改变这一点，政府需要推进基于市场的信用配置。中国需要灵活高效的金融部门，以有效监督和监管的资本市场为基础，以此避免资产泡沫、支持生产性和创新性企业。