因此合理的公司治理有助于银行提高资金配置效率，保证银行体系的稳定，应对持续变化的环境和不断发生的银行危机。

Therefore, with appropriate enterprise management, it helps bank raise the efficiency of capital allocation, guarantee stability of bank system, handle changing environment and constant bank crisis.

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实证结果表明，廉租房制度效率低下的原因不能仅归咎于投入不足，而是资金配置不合理所造成的。

The demonstration results show that the low execution efficiency of Cheap Rent Housing System not only because insufficient investment, but also reason from deploy funds irrationality.

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“帕累托最优”要求一个有充分竞争的市场环境，所以，促进我国资金资源的配置效率就必须要打破垄断的局面，在银行业引入有效竞争机制。

Pareto Efficiency requires a free market , so what we can do is to break the state of monopoly and introduce effective competition to the market.

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