不斷優化金(jin)融(rong)機構(gou)差異(yi)化發展路徑，培育(yu)更(geng)多具(ju)有(you)國際競爭力的金(jin)融(rong)機構(gou)，推動(dong)金(jin)融(rong)機構(gou)由“大(da)”變“強”。

　　真正強大(da)的(de)金融機(ji)構，應當(dang)以服務實體經濟為(wei)出發點(dian)(dian)和落腳點(dian)(dian)，不斷提升服務能力(li)和質(zhi)效，為(wei)實現經濟高(gao)質(zhi)量發展(zhan)提供有力(li)支撐。

　　金(jin)(jin)融(rong)(rong)機構是金(jin)(jin)融(rong)(rong)強(qiang)國(guo)建(jian)設的(de)重要(yao)(yao)微觀基礎。在省部(bu)級主要(yao)(yao)領導(dao)干部(bu)推動(dong)金(jin)(jin)融(rong)(rong)高質(zhi)量發展專題研討班開班式上，習近平總書(shu)記深(shen)刻闡釋金(jin)(jin)融(rong)(rong)強(qiang)國(guo)應當(dang)具備的(de)關鍵核心金(jin)(jin)融(rong)(rong)要(yao)(yao)素，其中一個重要(yao)(yao)方面，就(jiu)是擁有“強(qiang)大的(de)金(jin)(jin)融(rong)(rong)機構”，強(qiang)調建(jian)立(li)健全“分工協作(zuo)的(de)金(jin)(jin)融(rong)(rong)機構體系”。這(zhe)對于我(wo)們做好新時代(dai)金(jin)(jin)融(rong)(rong)工作(zuo)具有重要(yao)(yao)指導(dao)意義。

　　經過(guo)持續發展，我(wo)國(guo)(guo)(guo)已形(xing)成了覆蓋銀行(xing)(xing)、證券、保險(xian)、信托、基金(jin)(jin)、期貨等領(ling)域，種類(lei)齊全、競(jing)爭充分的(de)(de)金(jin)(jin)融(rong)(rong)(rong)(rong)體(ti)系。金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構(gou)綜合實(shi)力(li)(li)(li)(li)和(he)影(ying)響力(li)(li)(li)(li)不斷(duan)增強(qiang)，“大”已經成為我(wo)國(guo)(guo)(guo)金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構(gou)體(ti)系的(de)(de)顯著特(te)征(zheng)。統計顯示，我(wo)國(guo)(guo)(guo)金(jin)(jin)融(rong)(rong)(rong)(rong)業(ye)機(ji)構(gou)總(zong)資(zi)產超過(guo)450萬億元，銀行(xing)(xing)業(ye)金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構(gou)數量多(duo)達4000多(duo)家。從全球(qiu)范圍看(kan)，我(wo)國(guo)(guo)(guo)銀行(xing)(xing)業(ye)資(zi)產總(zong)規模(mo)居全球(qiu)第(di)一，股票、債券、保險(xian)的(de)(de)規模(mo)居全球(qiu)第(di)二。但也要清醒(xing)認識到，我(wo)國(guo)(guo)(guo)金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構(gou)還存(cun)在發展水(shui)平參差(cha)不齊、競(jing)爭力(li)(li)(li)(li)不夠(gou)強(qiang)等問(wen)題，金(jin)(jin)融(rong)(rong)(rong)(rong)服務實(shi)體(ti)經濟的(de)(de)質效仍不夠(gou)高，金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構(gou)的(de)(de)國(guo)(guo)(guo)際影(ying)響力(li)(li)(li)(li)有待進一步(bu)提升。加(jia)快建設金(jin)(jin)融(rong)(rong)(rong)(rong)強(qiang)國(guo)(guo)(guo)，必須不斷(duan)優化金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構(gou)差(cha)異(yi)化發展路徑，培育更多(duo)具有國(guo)(guo)(guo)際競(jing)爭力(li)(li)(li)(li)的(de)(de)金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構(gou)，推動金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構(gou)由(you)“大”變“強(qiang)”。

　　打造(zao)強大(da)的金(jin)融(rong)(rong)機構(gou)(gou)，需要深刻把握金(jin)融(rong)(rong)機構(gou)(gou)與(yu)實(shi)體(ti)(ti)(ti)經(jing)濟(ji)之(zhi)間的關(guan)系(xi)。習近(jin)平(ping)總書(shu)記強調(diao)“堅(jian)持把金(jin)融(rong)(rong)服務(wu)實(shi)體(ti)(ti)(ti)經(jing)濟(ji)作為(wei)(wei)(wei)根本宗旨”，指出(chu)“要以(yi)金(jin)融(rong)(rong)體(ti)(ti)(ti)系(xi)結構(gou)(gou)調(diao)整優化為(wei)(wei)(wei)重點，優化融(rong)(rong)資結構(gou)(gou)和(he)金(jin)融(rong)(rong)機構(gou)(gou)體(ti)(ti)(ti)系(xi)、市場(chang)體(ti)(ti)(ti)系(xi)、產(chan)品體(ti)(ti)(ti)系(xi)，為(wei)(wei)(wei)實(shi)體(ti)(ti)(ti)經(jing)濟(ji)發展提(ti)供(gong)(gong)更高(gao)質量、更有(you)效率的金(jin)融(rong)(rong)服務(wu)”。真(zhen)正強大(da)的金(jin)融(rong)(rong)機構(gou)(gou)，應當以(yi)服務(wu)實(shi)體(ti)(ti)(ti)經(jing)濟(ji)為(wei)(wei)(wei)出(chu)發點和(he)落(luo)腳點，不斷提(ti)升服務(wu)能力(li)和(he)質效，為(wei)(wei)(wei)實(shi)現經(jing)濟(ji)高(gao)質量發展提(ti)供(gong)(gong)有(you)力(li)支撐(cheng)。

　　應抓(zhua)住(zhu)重點(dian)、持(chi)續發力(li)，在以(yi)下(xia)幾個方(fang)面做(zuo)優做(zuo)強。拓(tuo)(tuo)展功能(neng)(neng)，優化(hua)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)體系結構，在深(shen)化(hua)國(guo)有商業(ye)銀行(xing)(xing)改革、加(jia)快完善(shan)中小(xiao)銀行(xing)(xing)和(he)農村信用社(she)治理結構的同時，規范發展非銀行(xing)(xing)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)機構，建設一(yi)(yi)流證券基金(jin)(jin)(jin)(jin)經營機構，形成一(yi)(yi)批精品投資銀行(xing)(xing)；加(jia)強分工協作，推動各(ge)類金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)機構堅守宗旨、回(hui)歸本源，找(zhao)準(zhun)定位(wei)、優勢互補，切(qie)實增(zeng)強競爭和(he)服(fu)務(wu)能(neng)(neng)力(li)；堅持(chi)以(yi)人民為(wei)中心的價值取(qu)向(xiang)，豐(feng)富金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)產品和(he)服(fu)務(wu)，改善(shan)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)供給，尤(you)其要注重加(jia)強對(dui)(dui)重點(dian)領域和(he)薄弱環節的支(zhi)持(chi)，做(zuo)好科技(ji)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)、綠色金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)、普惠金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)、養老金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)、數(shu)字金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)五篇大文章，不斷適應經濟高質量發展新要求；拓(tuo)(tuo)展國(guo)際(ji)業(ye)務(wu)，不斷提(ti)升(sheng)在國(guo)際(ji)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)市場(chang)中的影響力(li)和(he)競爭力(li)，為(wei)企(qi)業(ye)出海提(ti)供金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)支(zhi)持(chi)，助力(li)高水平對(dui)(dui)外開(kai)放(fang)；堅持(chi)依法合規，不斷改善(shan)公司治理，實現穩(wen)健經營，提(ti)升(sheng)風(feng)險抵御(yu)能(neng)(neng)力(li)，嚴守底線、不越紅線。

　　縱觀全(quan)球金(jin)融(rong)(rong)發展(zhan)史，金(jin)融(rong)(rong)強(qiang)國無(wu)不(bu)擁有強(qiang)大的(de)金(jin)融(rong)(rong)機(ji)(ji)構(gou)。新時代(dai)新征程，著力打造(zao)現代(dai)金(jin)融(rong)(rong)機(ji)(ji)構(gou)，完善(shan)機(ji)(ji)構(gou)定(ding)位，建立健(jian)全(quan)分工(gong)協作的(de)金(jin)融(rong)(rong)機(ji)(ji)構(gou)體系，就一定(ding)能夠不(bu)斷提升(sheng)金(jin)融(rong)(rong)服務(wu)實體經濟(ji)的(de)質效，以金(jin)融(rong)(rong)高質量發展(zhan)助力強(qiang)國建設、民族復興偉(wei)業。

　　（作者田輝(hui)、賀洋(yang) 分別(bie)為(wei)國(guo)務院發展研(yan)究中心金融(rong)研(yan)究所(suo)金融(rong)機構研(yan)究室主任、國(guo)務院發展研(yan)究中心金融(rong)研(yan)究所(suo)副研(yan)究員）

原標題：打造強大的金融機構
責任編輯：王崟欣、楊文明
頁面編輯：蘇偉