黨(dang)的十八大以來(lai)，習近平總書記在金(jin)融工(gong)作方面作出一系列重要論述(shu)(shu)，包括服(fu)務實體經濟、防控金(jin)融風險、深(shen)化金(jin)融改革等。習近平總書記的重要論述(shu)(shu)為(wei)我們深(shen)刻把握金(jin)融本質(zhi)和發展規律、進一步做好金(jin)融工(gong)作提供了根本遵循。

   習近平(ping)總書記(ji)指出：“金(jin)融(rong)(rong)活，經(jing)(jing)(jing)濟活；金(jin)融(rong)(rong)穩(wen)，經(jing)(jing)(jing)濟穩(wen)。”金(jin)融(rong)(rong)是(shi)現代經(jing)(jing)(jing)濟的核心，是(shi)推(tui)動(dong)經(jing)(jing)(jing)濟社(she)(she)會(hui)發(fa)展(zhan)的重要(yao)(yao)力量，金(jin)融(rong)(rong)安(an)全(quan)是(shi)國家安(an)全(quan)的重要(yao)(yao)組(zu)成部分(fen)。做好(hao)金(jin)融(rong)(rong)工作、穩(wen)定金(jin)融(rong)(rong)運行，既是(shi)保持經(jing)(jing)(jing)濟健康發(fa)展(zhan)的重要(yao)(yao)前(qian)提，也(ye)是(shi)防(fang)范化(hua)解風險(xian)(xian)的重要(yao)(yao)任(ren)務。這就要(yao)(yao)求金(jin)融(rong)(rong)回歸本源，服(fu)從服(fu)務于經(jing)(jing)(jing)濟社(she)(she)會(hui)發(fa)展(zhan)，特別是(shi)把為(wei)實體(ti)(ti)經(jing)(jing)(jing)濟服(fu)務作為(wei)出發(fa)點和(he)落(luo)腳(jiao)點，并以此作為(wei)防(fang)范金(jin)融(rong)(rong)風險(xian)(xian)的根本舉措。近年來，黨中(zhong)(zhong)央(yang)通(tong)過改(gai)善宏觀(guan)調(diao)控、深化(hua)金(jin)融(rong)(rong)改(gai)革、強化(hua)金(jin)融(rong)(rong)監管等措施，把握住金(jin)融(rong)(rong)發(fa)展(zhan)大勢，金(jin)融(rong)(rong)運行總體(ti)(ti)平(ping)穩(wen)、風險(xian)(xian)總體(ti)(ti)可控。面對突如其來的新冠肺炎疫(yi)(yi)情(qing)，黨中(zhong)(zhong)央(yang)統籌推(tui)進疫(yi)(yi)情(qing)防(fang)控和(he)經(jing)(jing)(jing)濟社(she)(she)會(hui)發(fa)展(zhan)工作，維護(hu)金(jin)融(rong)(rong)市場預期穩(wen)定，為(wei)全(quan)球(qiu)金(jin)融(rong)(rong)穩(wen)定作出了貢獻(xian)，也(ye)為(wei)疫(yi)(yi)情(qing)防(fang)控和(he)經(jing)(jing)(jing)濟社(she)(she)會(hui)發(fa)展(zhan)提供了有力支撐。

    當前，加快形成(cheng)以(yi)國(guo)內大循(xun)環(huan)(huan)為主體(ti)(ti)、國(guo)內國(guo)際雙(shuang)循(xun)環(huan)(huan)相互促進的(de)(de)新(xin)發(fa)(fa)展格局，需(xu)(xu)要更(geng)(geng)好發(fa)(fa)揮(hui)金(jin)融(rong)(rong)(rong)(rong)(rong)在擴大內需(xu)(xu)、推動(dong)消費升級等方面(mian)的(de)(de)積極(ji)(ji)作用，正確處理幾(ji)個關系(xi)。一(yi)是金(jin)融(rong)(rong)(rong)(rong)(rong)與(yu)(yu)實體(ti)(ti)經(jing)(jing)(jing)濟的(de)(de)關系(xi)。實體(ti)(ti)經(jing)(jing)(jing)濟根深蒂固，金(jin)融(rong)(rong)(rong)(rong)(rong)才(cai)能枝繁(fan)葉茂；金(jin)融(rong)(rong)(rong)(rong)(rong)與(yu)(yu)實體(ti)(ti)經(jing)(jing)(jing)濟循(xun)環(huan)(huan)暢通，實體(ti)(ti)經(jing)(jing)(jing)濟才(cai)會(hui)蓬(peng)勃(bo)發(fa)(fa)展。必須提高金(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)(wu)實體(ti)(ti)經(jing)(jing)(jing)濟的(de)(de)能力，把更(geng)(geng)多金(jin)融(rong)(rong)(rong)(rong)(rong)資源配置(zhi)到經(jing)(jing)(jing)濟社會(hui)發(fa)(fa)展的(de)(de)重點領(ling)域和薄弱環(huan)(huan)節。二是供(gong)給(gei)與(yu)(yu)需(xu)(xu)求(qiu)(qiu)的(de)(de)關系(xi)。近年來，我(wo)國(guo)金(jin)融(rong)(rong)(rong)(rong)(rong)業(ye)(ye)發(fa)(fa)展取(qu)得重要成(cheng)就，但(dan)金(jin)融(rong)(rong)(rong)(rong)(rong)業(ye)(ye)的(de)(de)市場結(jie)構、服(fu)(fu)務(wu)(wu)水平等與(yu)(yu)經(jing)(jing)(jing)濟高質量(liang)發(fa)(fa)展要求(qiu)(qiu)和人民群眾需(xu)(xu)求(qiu)(qiu)還有差距。必須貫徹落實新(xin)發(fa)(fa)展理念，深化(hua)金(jin)融(rong)(rong)(rong)(rong)(rong)供(gong)給(gei)側結(jie)構性(xing)改(gai)(gai)(gai)革(ge)(ge)，強化(hua)服(fu)(fu)務(wu)(wu)功能、找準服(fu)(fu)務(wu)(wu)重點。三(san)是穩(wen)增長與(yu)(yu)防(fang)風險(xian)的(de)(de)關系(xi)。一(yi)方面(mian)，實施好更(geng)(geng)加積極(ji)(ji)有為的(de)(de)財政(zheng)(zheng)政(zheng)(zheng)策(ce)、更(geng)(geng)加穩(wen)健(jian)(jian)靈活(huo)的(de)(de)貨幣政(zheng)(zheng)策(ce)，才(cai)能保(bao)持宏(hong)觀經(jing)(jing)(jing)濟總需(xu)(xu)求(qiu)(qiu)穩(wen)定；另一(yi)方面(mian)，防(fang)范化(hua)解金(jin)融(rong)(rong)(rong)(rong)(rong)風險(xian)特別(bie)是系(xi)統性(xing)金(jin)融(rong)(rong)(rong)(rong)(rong)風險(xian)，才(cai)能為高質量(liang)發(fa)(fa)展營(ying)造穩(wen)定安全(quan)的(de)(de)金(jin)融(rong)(rong)(rong)(rong)(rong)環(huan)(huan)境。四是改(gai)(gai)(gai)革(ge)(ge)與(yu)(yu)開(kai)放的(de)(de)關系(xi)。通過深化(hua)改(gai)(gai)(gai)革(ge)(ge)加快建立健(jian)(jian)全(quan)現代金(jin)融(rong)(rong)(rong)(rong)(rong)企(qi)業(ye)(ye)制度等，有利于提升我(wo)國(guo)金(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)(wu)的(de)(de)競爭力，助推我(wo)國(guo)金(jin)融(rong)(rong)(rong)(rong)(rong)機構參與(yu)(yu)全(quan)球經(jing)(jing)(jing)濟治理；分步驟、有序的(de)(de)對外開(kai)放，可以(yi)增強金(jin)融(rong)(rong)(rong)(rong)(rong)機構活(huo)力，拓(tuo)展金(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)(wu)實體(ti)(ti)經(jing)(jing)(jing)濟的(de)(de)深度和廣度。當前，做好金(jin)融(rong)(rong)(rong)(rong)(rong)工(gong)作，具體(ti)(ti)可從以(yi)下(xia)幾(ji)方面(mian)入手。

    全(quan)(quan)力保障金融安全(quan)(quan)穩(wen)定。統籌監(jian)管(guan)系統重要性金融機(ji)構、金融控(kong)股公(gong)司和重要金融基礎設(she)施，建立(li)全(quan)(quan)面審慎的(de)風險監(jian)管(guan)體(ti)系。推(tui)進金融機(ji)構完善公(gong)司治理(li)(li)，強化(hua)審慎合規經營理(li)(li)念。完善市(shi)場規則(ze)，健(jian)全(quan)(quan)市(shi)場化(hua)、法(fa)治化(hua)違(wei)(wei)(wei)約處置機(ji)制。在(zai)保證(zheng)市(shi)場總(zong)體(ti)平穩(wen)前提下加快降低(di)企業債(zhai)務，有序打破企業信用債(zhai)剛性兌付。定期(qi)排查違(wei)(wei)(wei)法(fa)違(wei)(wei)(wei)規融資問題(ti)，加大對(dui)市(shi)場違(wei)(wei)(wei)法(fa)違(wei)(wei)(wei)規行為打擊力度。強化(hua)地(di)方政府(fu)屬地(di)監(jian)管(guan)責任(ren)，樹立(li)守(shou)土有責、守(shou)土盡責意識(shi)。

    深化金融(rong)供給側結構(gou)性改(gai)革。優化融(rong)資結構(gou)體(ti)系，為實體(ti)經(jing)濟發展(zhan)提供更(geng)高質量(liang)(liang)、更(geng)有效率的(de)金融(rong)服務。引導金融(rong)機(ji)構(gou)改(gai)善產品結構(gou)，開發推廣有針對(dui)性的(de)創新產品。構(gou)建多(duo)層(ceng)次(ci)、廣覆蓋、有差異的(de)銀行體(ti)系，增加中(zhong)小(xiao)金融(rong)機(ji)構(gou)數(shu)量(liang)(liang)和業(ye)務比(bi)重，改(gai)進小(xiao)微(wei)企業(ye)和“三(san)農(nong)”金融(rong)服務。構(gou)建全方位、多(duo)層(ceng)次(ci)金融(rong)支(zhi)持服務體(ti)系，幫助企業(ye)獲得低成本、穩定(ding)的(de)資金。

    堅定擴大金融對外開(kai)(kai)放。對外資(zi)機構實施準(zhun)入(ru)前國民待遇加負面清(qing)單管(guan)理(li)制(zhi)度，使外資(zi)機構和(he)中(zhong)資(zi)機構皆可依(yi)法平等進入(ru)負面清(qing)單之外的領域(yu)和(he)業務。推動中(zhong)資(zi)金融機構共建“一(yi)帶一(yi)路”，參與全球金融治理(li)，提升國際競爭(zheng)力。穩步推進人(ren)(ren)民幣國際化，保持人(ren)(ren)民幣匯率在(zai)合理(li)均衡水(shui)平上的基本穩定。立足國情學(xue)習(xi)借(jie)鑒國際上成熟(shu)的金融監(jian)管(guan)做(zuo)法，在(zai)加強監(jian)管(guan)中(zhong)提高開(kai)(kai)放水(shui)平。

    提升金(jin)(jin)融(rong)(rong)(rong)服(fu)務能力(li)。圍(wei)繞滿足實(shi)體經濟高質量發展要求，大力(li)疏通(tong)貨幣信(xin)貸傳導機制，暢通(tong)金(jin)(jin)融(rong)(rong)(rong)進(jin)入實(shi)體經濟的通(tong)道(dao)。采取有效舉措緩解小微企(qi)業融(rong)(rong)(rong)資(zi)難融(rong)(rong)(rong)資(zi)貴問(wen)題，促進(jin)實(shi)體經濟和金(jin)(jin)融(rong)(rong)(rong)良性循環。

    《 人民(min)日報 》（ 2020年09月29日 09 版(ban)）