功能金融理论，分传统金融理论和功能金融理论。传统的金融理论主要从金融机构的角度来着手研究金融体系，即所谓的机构金融观点。功能主义金融观点(functional perspective)理论。功能金融理论具有两个假定，一是金融功能比金融机构更加稳定。二是金融功能优于组织机构。
功能金融理论认为，金融体系具有便利清算和支付、聚集和分配资源以及分散风险的功能。
Functional financial theory holds that financial system is one that can facilitate settlement and payment, centralize and allocate resources and divert risks.
商业银行在金融体系和金融交易活动实践中的重要地位和功能，决定了关于商业银行的研究应当被置于十分重要的理论位置。
The important status and function of commercial Banks in financial system and financial transaction decide the study of commercial Banks should be placed an important status.
首先阐述农业政策性金融的内涵与功能以及农业发展银行的运行机制，接着总结金融效率理论。
Such as the contents and functions of agricultural political finance, the operating mechanism of agricultural Development Bank, as well as the financial efficiency theory.
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