在“您最关心哪些财经、金融和资本市场问题？”一项中，有31%的网民选择金融改革问题，包括设立金融监管委、利率市场化等。

In the"What are you most concerned about the financial/The financial and capital markets?"In the a,31% of Internet users choose financial reform,Including setting up financial supervision committee/Interest rate marketization, etc..

　　十八大报告指出：“深化金融体制改革，健全促进宏观经济稳定、支持实体经济发展的现代金融体系，加快发展多层次资本市场，稳步推进利率和汇率市场化改革，逐步实现人民币资本项目可兑换。加快发展民营金融机构。完善金融监管，推进金融创新，提高银行、证券、保险等行业竞争力，维护金融稳定。”

The eighteenth big report said:"We will deepen reform of the financial system,Improve the promoting macroeconomic stability/Support the development of the real economy of the modern financial system,Speed up the development of multi-level capital market,Steadily promote the reform of marketization of interest rate and exchange rate,Step by step to realize RMB capital account convertibility.Speed up the development of private financial institutions.Perfect the financial supervision and regulation,Promote financial innovation,Improve the bank/securities/Insurance industry competitiveness,Maintaining financial stability."

　　长远来看，推进利率和汇率市场化改革有利于进一步释放要素活力，推动金融机构转变发展方式，由外延式扩张向内涵式发展转变。如何深化改革，促使金融业适应市场化竞争，如何引导和规范民间资本进入金融服务领域，如何完善金融宏观调控体系，均成为金融体制改革的新课题。

In the long run,Promote the reform of marketization of interest rate and exchange rate is conducive to further release elements vitality,To promote transformation of the mode of development of financial institutions,From the denotative expansion to connotation development.How to deepen the reform,The financial industry to adapt to market competition,How to guide and regulate the folk capital into the financial services sector,How to improve the financial macro-control system,Have become a new subject of financial system reform.

　　中信建投非银行业金融首席分析师魏涛认为，中国金融体制发育的滞后已阻碍经济发展，金融改革将是很长一段时期内的重要工作。对于发展中出现的问题应该进行适度监管，既需要避免金融风险，又不要伤及创新的动力。对目前的影子银行和市场化的合理部分，应该通过金融改革来满足。对于非市场化、仅为不受监管的部分，适当加强监管。

Citic jiantou Wei Tao non-banking financial chief analyst believes,China's financial system development lag hinder economic development,Financial reform is an important work for a long period of time.For developing the problems should be moderate regulation,Both need to avoid financial risks,Don't hurt again innovation power.On the rational part of shadow banking and marketization,Should meet through financial reform.For non-market/Only for unregulated parts,Appropriate regulation.

　　中国人民大学证券与金融研究所副所长赵锡军认为，随着我国经济的不断发展，对金融服务需求规模等方面的要求也越来越高。但是对于改革到底应该怎么进行，现在出现一些自下而上还是自上而下的争议。“改革不分上下，在实际的金融发展过程中，一切都要以市场的需求来调整金融服务的方式。市场需要什么样的金融服务和金融产品，作为金融产品供应商就要提供这种服务和产品，所以创新往往是来自于市场的需求。”他说。

Zhao xijun, deputy director of the institute for securities and finance, renmin university of China,With the continuous development of our country's economy,Meet the requirements of the scale of demand for financial services is becoming more and more high.But for what should be how to reform,There is some bottom-up or top-down controversy."Reform of the neck and neck,In the process of actual financial development,Everything to the demand of the market to adjust the way financial services.What kind of financial services and financial products market need,As a financial product suppliers to provide the services and products,So innovation often comes from the demand of the market."He said.