离开了对制度的分析，对于非正式金融问题只能停留在表面现象的研究，没有实质性的意义。

Ignoring the analysis on institution, research to the informal financial problem can only stay in the superficial stage, there is no substantive meaning.

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然后以优制度的三个标准考察我国金融和优制度的偏离程度，以此来分析非正式金融产生的原因。

We will research the financial institution of our country on the basis of formal and informal financial institution.

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