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近年来,关于市场主导型金融制度①(market—based financial system)和银行主导型金融制度(bank—based financial system)的比较研究非常引人注目(Allen and Gale,2000)(Demirguc—Kunt and Levine,1999)(Levine,2002)。Demirguc—Kunt and Levine(1999)对大