The development of chinese bank industry during modern period was hindered by the inactive economy , the weak base of social economy , and the unstable political status , hence its business could n ' t tag along the demand . the less - developed social economy blocked the development of bank business . system with flaws , unwise policy of the government , excessively extensive finance regulation and the inactive economy formed an evil cycle , therefore , the government should play a dominant role to achieve leap - forward development during the marketlization process of china bank 近代呆滞的经济状况、薄弱的社会经济基础、跌宕的政局对银行发展的制约从而使其业务难以产生“需求尾随” 、社会经济的欠发达制约了银行的发展、制度上存在的缺陷和政府部门的错误政策、金融管制宽泛与呆滞的经济状况形成了恶性循环等难以摆脱的困境，使得中国银行在市场化的过程中有必要重视政府的作用，通过国家力量来取得跨越式发展。
