金融形态的发展演变及金融监管转型的新要求

作为虚拟经济核心的金融既具有虚拟经济本质，也具有制度属性本质。文章基于虚拟经济与实体经济相互关系角度和社会经济体系的基础关系演化角度梳理了金融形态的发展历程，及各阶段特点与表现。金融监管应相应地立足于金融形态的最新发展，顺应金融制度的内生演化规律，在理念革新、目标重塑、体制整合等方面实现战略转型。

Financial pattern evolution and new requirements for financial regulation transformation

As the core of fictitious economy, finance has an essence of both fictitious economy and institutional nature. This article consolidates the development history of financial patterns, their characteristics and performance at each stage from the angles of the mutual relationship between fictitious economy and real economy and the primary relationships in social and economic systems. Financial regulation should be based on the latest development of financial patterns, conform to the intrinsic rules for financial system evolution and achieve strategic transition in terms of ideological innovation, goal resetting, institutional integration, etc.