Along with the economic growth and the social progress driven by the division of labor , the specialization and the accumulation of capital , especially with social economy modernization after industrial revolution , financial persons and instruments have been achieving quantity accumulation and quality promotion greatly , and the financial system becomes more and more complex system . according to the complex paradigm , the financial development is the creation and evolution of the financial complex system . the currency , financial tool and financial person are different dimension factors 貨幣、金融工具和金融人是不同維度的要素,金融組織與金融工具、金融人是不同層面的要素,具有質的不同;不同種類金融工具、不同專業的人,不僅有數量不同,也有質的差別;不同質的要素組成的整體? ?金融復雜系統的特性不能用某一個要素來表征,也不能對非同質性要素進行簡單的數量累加,只能從多個要素緯度、多要素的組合協同中把握金融復雜系統演進規律。
The dissertation not only follows the finance comprehensive view advocated by prof bai qinxian , but combines my financial practice experience in the state - owned commercial and central bank in more than ten years as well to propose a complex paradigm to analyze the financial development . the complex paradigm regards the finance as an organic unity , namely financial system , which is composed of such factors as currency , financial tool , person , organization and institution 在復雜性范式看來,金融是包括貨幣、金融工具、金融人、金融組織、金融制度等要素組成的有機整體;隨著分工、專業化和資本積累帶來的經濟增長和社會進步,貨幣、金融工具、金融人量的積累和質的提升,金融組織的層次性涌現,特別是工業革命后社會經濟現代化,金融越來越成為復雜系統。