Unloosening management limit , quickening business amalgamation , strengthening innovation , breaking system obstacles , and advancing the development of the securities which substituted saving actively can be regarded as the important measure distributing the huge personal deposits effectively and packing the banking " black hole " .

放开经营界限、加快业务融合，加大创新力度、完善产品体系，完善法律法规、打破制度障碍，积极推进储蓄替代型证券的发展，不失为有效分流巨额居民储蓄、填充银行体系“黑洞”的重要措施。