尽管35年以来的重大改革带来了巨大变化，民营部门已成为创造就业的主力军，但中国仍有很多方面有待改善 — — 一个显著的例子便是国有部门，特别是地方政府和国有企业仍掌握着中国大部分信贷资源。
And, though 35 years of major reforms have brought about considerable change, with the private sector now accounting for the bulk of job creation, there remains much to be done – exemplified in the fact that the state, especially local governments and state-owned enterprises, still command most of China’s credit resources.