金融服务实体经济质量提升政策研究——对中小商业银行的建议  

Policy Research on Improving the Quality of Financial Services for Real Economy——Recommendations for Small and Medium-sized Commercial Banks

作　　者：赵胜利 杨峙林[2] Zhao Shengli;Yang Zhilin(Tianjin Binhai Rural Commercial Bank Co.,LTD.,Tianjin 300308,China;Business Management Department,Tianjin Branch,the People's Bank of China,Tianjin 300457,China)

机构地区：[1]天津滨海农村商业银行股份有限公司,天津300308 [2]中国人民银行天津分行营业管理部,天津300457

出　　处：《征信》2018年第10期47-52,共6页Credit Reference

摘　　要：党的十八大以来,我国金融服务实体经济在社会融资总规模、融资方式、货币供给等方面均取得了巨大成就。但同时,还存在融资结构不合理、宏观经济杠杆率高、金融体系信用风险高等问题,严重影响了我国经济健康稳定可持续发展。为提升金融服务实体经济质量,在宏观层面,应提高直接融资比例,降低宏观经济杠杆率,防范化解金融风险;在微观层面,中小商业银行等金融机构应深入治理银行业市场乱象,严控新增授信投向,助力提升直接融资比例。Since the 18th National Congress of the Communist Party of China,great achievements have been made in financial services for the real economy,such as the total scale of social financing,financing modes and money supply.At the same time,there are still such problems as unreasonable financing structure,higher macroeconomic leverage ratio,and higher credit risk in financial system,which have seriously affected the healthy,stable and sustainable development of China’s economy.In order to improve the quality of financial services for real economy,it’s necessary to raise the proportion of direct financing,reduce macroeconomic leverage ratio,and prevent and resolve financial risks at the macro level;while,at the micro level,the small and medium-sized commercial banks and other financial institutions should thoroughly deal with the turmoil in the banking market,strictly control the investment of new credit granting,and help improve the proportion of direct financing.

关 键 词：金融服务 实体经济 融资结构 直接融资 经济杠杆率 金融风险 

分 类 号：F832.33[经济管理—金融学]