功能金融理论

论国家助学贷款的制度创新：功能金融理论的分析

A Discussion on the Institution Innovation of GSSL : The Analysis Based on the Theory of Functional Finance

功能金融理论认为，金融体系具有便利清算和支付、聚集和分配资源以及分散风险的功能。

Functional financial theory holds that financial system is one that can facilitate settlement and payment , centralize and allocate resources and divert risks .

本文借鉴功能金融理论观点，将金融不稳定定义为：金融体系处于无法有效执行其关键功能的非稳定状态。

From functional perspective , in this paper financial instability is defined as the following : financial instability means is in the non-steady state in which financial system is unable to effectively carry out its critical functions .

另一方面，金融功能因自身的自动与扣除的净结果而具有相对准确性，所以从功能角度研究金融发展理论具有特殊优势。

On the other hand , financial function has comparatively veracity because it is the net result based on its automatism and deduction . Therefore , it has the advantage especially that the study on the financial development from function angle of view .