Three-Dimensional Financial Architecture Theory:Theoretical Review and Prospects
The Three-Dimensional Financial Architecture Theory is an innovative achievement in the field of economic and financial theory by the renowned senior Chinese financial scholar,Professor Bai Qin.This theory posits that for a nation or an economic entity in a modern market economy,the interconnections,influences,and interactions among commercial finance,policy finance,and cooperative finance—three distinct yet inherently interconnected financial organizational forms or modes of financial resource allocation—constitute the entire financial system architecture.This architecture is considered a fundamental financial institutional arrangement for a nation or an economic entity.Despite its lack of significant attention and systematic theoretical assessment since its proposal,the theory still holds potential for further application and expansion.By reviewing its theoretical framework,tracing its origins and development,and systematically summarizing the incremental achievements from relevant literature,it is evident that the Three-Dimensional Financial Architecture Theory presents a macroscopic and holistic perspective on finance.It holds substantial academic value and provides macroeconomic guidance for understanding the economic and financial development of a nation or an economic entity.Future research and expansion in this area could offer valuable guidance to policymakers,aiming to enhance the efficiency of financial resource utilization,stability of the financial system,sustainable financial development,digital transformation of finance,and the inclusivity of financial services.
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