中文摘要：

在中国，金融增长率和经济增长率各类成分关系存在非对称性，金融发展更多表现为经济增长的结果而不是原因。相对经济增长而言，金融发展的“跟随效应”显著。而金融发展和经济增长的均衡关系表明，当金融制度改革能够促使金融发展时，金融发展将更有效地促进经济增长。

英文摘要：

In China, the relationship between the growth of the banking industry and the growth of various components of the economy is asymmetric. Growth in the banking industry is more often than not the result of economic growth and not a reason for economic growth. This ＂following effect＂ of the growth of the banking industry is quite apparent. Moreover, the effect of a balanced relationship in the promotion of the development of the banking industry and the economy shows that when reform of the banking system can stimulate development of the banking industry, development of the banking industry will be more effective in stimulating economic growth.