At last, the article disputes it from several ways, such as innovation, bad debts in commercial banks, the establishment of Desposit Insurance Institution and the precaution system about in financial risk to central bank.

• 最后 ,从银行业的改革与完善、分业经营向混业经营的转变、商业银行不良资产的化解、存款保险制度的建立、中央银行金融风险防范预警系统的建立等方面对这一问题进行了论述。