黨的十(shi)八大(da)以來，習近平總(zong)(zong)書(shu)記(ji)在(zai)金(jin)(jin)融(rong)(rong)工(gong)作方面(mian)作出一(yi)系列重要論(lun)述，包括服務實體經濟、防(fang)控金(jin)(jin)融(rong)(rong)風險、深化金(jin)(jin)融(rong)(rong)改革(ge)等。習近平總(zong)(zong)書(shu)記(ji)的重要論(lun)述為(wei)我(wo)們(men)深刻(ke)把握金(jin)(jin)融(rong)(rong)本(ben)(ben)質和發展規律、進一(yi)步做(zuo)好金(jin)(jin)融(rong)(rong)工(gong)作提供了根本(ben)(ben)遵循(xun)。

   習(xi)近平總書記指(zhi)出(chu)(chu)：“金(jin)(jin)(jin)融(rong)(rong)活(huo)，經(jing)濟活(huo)；金(jin)(jin)(jin)融(rong)(rong)穩，經(jing)濟穩。”金(jin)(jin)(jin)融(rong)(rong)是現(xian)代經(jing)濟的(de)(de)核(he)心，是推動經(jing)濟社(she)會發(fa)(fa)展(zhan)的(de)(de)重(zhong)(zhong)(zhong)要力量(liang)，金(jin)(jin)(jin)融(rong)(rong)安全(quan)是國(guo)家安全(quan)的(de)(de)重(zhong)(zhong)(zhong)要組成(cheng)部分。做好(hao)金(jin)(jin)(jin)融(rong)(rong)工作(zuo)、穩定金(jin)(jin)(jin)融(rong)(rong)運行(xing)，既是保(bao)持經(jing)濟健康發(fa)(fa)展(zhan)的(de)(de)重(zhong)(zhong)(zhong)要前提，也是防范(fan)化解風(feng)(feng)險(xian)(xian)的(de)(de)重(zhong)(zhong)(zhong)要任務。這就(jiu)要求金(jin)(jin)(jin)融(rong)(rong)回(hui)歸(gui)本(ben)源，服從服務于經(jing)濟社(she)會發(fa)(fa)展(zhan)，特別是把為(wei)實(shi)體經(jing)濟服務作(zuo)為(wei)出(chu)(chu)發(fa)(fa)點和(he)(he)落腳點，并以此作(zuo)為(wei)防范(fan)金(jin)(jin)(jin)融(rong)(rong)風(feng)(feng)險(xian)(xian)的(de)(de)根本(ben)舉措。近年來，黨(dang)中(zhong)央通(tong)過改(gai)(gai)善宏觀調控(kong)(kong)、深(shen)化金(jin)(jin)(jin)融(rong)(rong)改(gai)(gai)革、強化金(jin)(jin)(jin)融(rong)(rong)監管等措施，把握住金(jin)(jin)(jin)融(rong)(rong)發(fa)(fa)展(zhan)大勢，金(jin)(jin)(jin)融(rong)(rong)運行(xing)總體平穩、風(feng)(feng)險(xian)(xian)總體可(ke)控(kong)(kong)。面對突(tu)如其來的(de)(de)新(xin)冠(guan)肺(fei)炎疫情(qing)，黨(dang)中(zhong)央統(tong)籌推進疫情(qing)防控(kong)(kong)和(he)(he)經(jing)濟社(she)會發(fa)(fa)展(zhan)工作(zuo)，維護金(jin)(jin)(jin)融(rong)(rong)市場預(yu)期穩定，為(wei)全(quan)球金(jin)(jin)(jin)融(rong)(rong)穩定作(zuo)出(chu)(chu)了貢獻，也為(wei)疫情(qing)防控(kong)(kong)和(he)(he)經(jing)濟社(she)會發(fa)(fa)展(zhan)提供了有力支撐。

    當前，加(jia)快形成以國(guo)(guo)內大循(xun)(xun)環為主體(ti)(ti)(ti)、國(guo)(guo)內國(guo)(guo)際雙循(xun)(xun)環相互促進(jin)的(de)(de)新發(fa)(fa)(fa)(fa)(fa)展格局，需(xu)(xu)要(yao)更好發(fa)(fa)(fa)(fa)(fa)揮金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)在擴大內需(xu)(xu)、推動(dong)消費升級等方面(mian)(mian)的(de)(de)積(ji)極作用，正(zheng)確處理(li)幾(ji)個關(guan)系(xi)(xi)。一是(shi)(shi)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)與(yu)實體(ti)(ti)(ti)經(jing)(jing)(jing)濟(ji)(ji)的(de)(de)關(guan)系(xi)(xi)。實體(ti)(ti)(ti)經(jing)(jing)(jing)濟(ji)(ji)根(gen)深(shen)(shen)蒂固，金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)才能(neng)枝繁葉茂；金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)與(yu)實體(ti)(ti)(ti)經(jing)(jing)(jing)濟(ji)(ji)循(xun)(xun)環暢通，實體(ti)(ti)(ti)經(jing)(jing)(jing)濟(ji)(ji)才會蓬勃發(fa)(fa)(fa)(fa)(fa)展。必(bi)須提(ti)高金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)服(fu)務(wu)(wu)實體(ti)(ti)(ti)經(jing)(jing)(jing)濟(ji)(ji)的(de)(de)能(neng)力(li)(li)，把更多金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)資源配置(zhi)到經(jing)(jing)(jing)濟(ji)(ji)社會發(fa)(fa)(fa)(fa)(fa)展的(de)(de)重(zhong)點領域和(he)薄弱環節(jie)。二(er)是(shi)(shi)供(gong)給與(yu)需(xu)(xu)求的(de)(de)關(guan)系(xi)(xi)。近年來，我(wo)國(guo)(guo)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)業發(fa)(fa)(fa)(fa)(fa)展取得重(zhong)要(yao)成就，但金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)業的(de)(de)市場結構(gou)、服(fu)務(wu)(wu)水平等與(yu)經(jing)(jing)(jing)濟(ji)(ji)高質量(liang)(liang)發(fa)(fa)(fa)(fa)(fa)展要(yao)求和(he)人(ren)民群(qun)眾(zhong)需(xu)(xu)求還有(you)差(cha)距。必(bi)須貫徹(che)落(luo)實新發(fa)(fa)(fa)(fa)(fa)展理(li)念(nian)，深(shen)(shen)化(hua)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)供(gong)給側結構(gou)性(xing)改革，強化(hua)服(fu)務(wu)(wu)功能(neng)、找準服(fu)務(wu)(wu)重(zhong)點。三是(shi)(shi)穩增長(chang)與(yu)防(fang)風(feng)險的(de)(de)關(guan)系(xi)(xi)。一方面(mian)(mian)，實施好更加(jia)積(ji)極有(you)為的(de)(de)財(cai)政政策、更加(jia)穩健靈(ling)活(huo)的(de)(de)貨幣(bi)政策，才能(neng)保持(chi)宏觀經(jing)(jing)(jing)濟(ji)(ji)總需(xu)(xu)求穩定(ding)；另(ling)一方面(mian)(mian)，防(fang)范化(hua)解(jie)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)風(feng)險特別是(shi)(shi)系(xi)(xi)統(tong)性(xing)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)風(feng)險，才能(neng)為高質量(liang)(liang)發(fa)(fa)(fa)(fa)(fa)展營造穩定(ding)安全的(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)環境。四是(shi)(shi)改革與(yu)開放(fang)的(de)(de)關(guan)系(xi)(xi)。通過(guo)深(shen)(shen)化(hua)改革加(jia)快建立健全現代金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)企業制度等，有(you)利(li)于提(ti)升我(wo)國(guo)(guo)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)服(fu)務(wu)(wu)的(de)(de)競爭力(li)(li)，助推我(wo)國(guo)(guo)金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)機構(gou)參與(yu)全球經(jing)(jing)(jing)濟(ji)(ji)治(zhi)理(li)；分(fen)步驟、有(you)序的(de)(de)對外開放(fang)，可以增強金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)機構(gou)活(huo)力(li)(li)，拓展金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)服(fu)務(wu)(wu)實體(ti)(ti)(ti)經(jing)(jing)(jing)濟(ji)(ji)的(de)(de)深(shen)(shen)度和(he)廣度。當前，做好金(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)工(gong)作，具體(ti)(ti)(ti)可從以下幾(ji)方面(mian)(mian)入手。

    全力(li)保障金融(rong)(rong)安全穩(wen)定。統籌(chou)監(jian)管系統重要(yao)(yao)性(xing)金融(rong)(rong)機構、金融(rong)(rong)控股公(gong)司和重要(yao)(yao)金融(rong)(rong)基(ji)礎設施，建(jian)立(li)全面審慎的風(feng)險監(jian)管體(ti)系。推(tui)進金融(rong)(rong)機構完(wan)善公(gong)司治理(li)，強(qiang)化審慎合規經營理(li)念。完(wan)善市(shi)場(chang)規則，健(jian)全市(shi)場(chang)化、法治化違(wei)約處置機制。在保證市(shi)場(chang)總(zong)體(ti)平穩(wen)前提(ti)下加(jia)快降低企業債務(wu)，有(you)序打破(po)企業信用(yong)債剛性(xing)兌付。定期排查違(wei)法違(wei)規融(rong)(rong)資問題，加(jia)大對市(shi)場(chang)違(wei)法違(wei)規行(xing)為打擊力(li)度。強(qiang)化地方政(zheng)府屬地監(jian)管責(ze)(ze)任，樹立(li)守土有(you)責(ze)(ze)、守土盡責(ze)(ze)意識。

    深(shen)化金(jin)(jin)融(rong)(rong)供(gong)給側結(jie)構(gou)(gou)性改革(ge)。優化融(rong)(rong)資結(jie)構(gou)(gou)體(ti)系，為實體(ti)經濟發展提供(gong)更(geng)高質量(liang)、更(geng)有效率(lv)的金(jin)(jin)融(rong)(rong)服務(wu)。引(yin)導金(jin)(jin)融(rong)(rong)機(ji)構(gou)(gou)改善產品結(jie)構(gou)(gou)，開發推廣(guang)(guang)有針(zhen)對性的創新產品。構(gou)(gou)建多(duo)(duo)層次、廣(guang)(guang)覆蓋、有差異(yi)的銀行體(ti)系，增加(jia)中小金(jin)(jin)融(rong)(rong)機(ji)構(gou)(gou)數(shu)量(liang)和業務(wu)比重(zhong)，改進小微企業和“三農”金(jin)(jin)融(rong)(rong)服務(wu)。構(gou)(gou)建全方位、多(duo)(duo)層次金(jin)(jin)融(rong)(rong)支持服務(wu)體(ti)系，幫助企業獲(huo)得低成本、穩(wen)定的資金(jin)(jin)。

    堅定擴大金融(rong)(rong)對外(wai)(wai)(wai)開放(fang)。對外(wai)(wai)(wai)資機(ji)構實施準入前國(guo)民待(dai)遇加負(fu)面(mian)清(qing)單管理(li)制度，使外(wai)(wai)(wai)資機(ji)構和中(zhong)(zhong)資機(ji)構皆可依法平(ping)等進入負(fu)面(mian)清(qing)單之(zhi)外(wai)(wai)(wai)的領域(yu)和業務。推(tui)動中(zhong)(zhong)資金融(rong)(rong)機(ji)構共建“一帶一路”，參與全球金融(rong)(rong)治理(li)，提升國(guo)際(ji)競爭(zheng)力。穩步推(tui)進人民幣國(guo)際(ji)化，保(bao)持人民幣匯率在合理(li)均衡水平(ping)上的基本穩定。立(li)足國(guo)情學(xue)習借鑒(jian)國(guo)際(ji)上成熟的金融(rong)(rong)監管做(zuo)法，在加強監管中(zhong)(zhong)提高開放(fang)水平(ping)。

    提(ti)升(sheng)金融(rong)(rong)服務能力(li)。圍繞滿足實(shi)體經濟(ji)(ji)高質量發展要求(qiu)，大(da)力(li)疏通(tong)貨幣信貸傳導(dao)機制，暢通(tong)金融(rong)(rong)進(jin)入(ru)實(shi)體經濟(ji)(ji)的(de)通(tong)道。采取有效舉措緩解小微企業融(rong)(rong)資難融(rong)(rong)資貴問題，促進(jin)實(shi)體經濟(ji)(ji)和金融(rong)(rong)良性循環(huan)。

    《 人民日報 》（ 2020年09月29日 09 版）