不(bu)斷優化金(jin)(jin)融(rong)機(ji)構差異化發展(zhan)路(lu)徑(jing)，培(pei)育更多具(ju)有(you)國際競爭力的金(jin)(jin)融(rong)機(ji)構，推動金(jin)(jin)融(rong)機(ji)構由“大(da)”變“強”。

　　真(zhen)正強(qiang)大的金融(rong)機(ji)構(gou)，應當以服務實(shi)體經(jing)濟(ji)為出(chu)發(fa)點(dian)(dian)和落腳(jiao)點(dian)(dian)，不斷提(ti)升(sheng)服務能力和質(zhi)效，為實(shi)現經(jing)濟(ji)高質(zhi)量發(fa)展提(ti)供有力支(zhi)撐。

　　金(jin)融(rong)(rong)機(ji)構(gou)是(shi)金(jin)融(rong)(rong)強(qiang)(qiang)(qiang)國建設的重要(yao)微觀基(ji)礎。在省(sheng)部(bu)級(ji)主要(yao)領導干部(bu)推動金(jin)融(rong)(rong)高質量發展專(zhuan)題研討班(ban)開班(ban)式上，習近(jin)平(ping)總(zong)書(shu)記深刻闡釋(shi)金(jin)融(rong)(rong)強(qiang)(qiang)(qiang)國應(ying)當(dang)具備的關鍵核心(xin)金(jin)融(rong)(rong)要(yao)素(su)，其(qi)中(zhong)一個重要(yao)方面，就是(shi)擁有(you)“強(qiang)(qiang)(qiang)大的金(jin)融(rong)(rong)機(ji)構(gou)”，強(qiang)(qiang)(qiang)調建立健(jian)全“分工(gong)協作(zuo)的金(jin)融(rong)(rong)機(ji)構(gou)體系”。這對(dui)于我們做(zuo)好新時代金(jin)融(rong)(rong)工(gong)作(zuo)具有(you)重要(yao)指導意義。

　　經(jing)過持續發(fa)(fa)展，我(wo)(wo)國已(yi)形成了覆蓋銀行(xing)、證券、保(bao)險、信(xin)托(tuo)、基金(jin)、期貨等領(ling)域，種類齊全、競爭(zheng)充分的(de)金(jin)融(rong)(rong)(rong)(rong)體(ti)系。金(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)(gou)綜合(he)實(shi)力和(he)影響力不斷(duan)增(zeng)強(qiang)，“大(da)”已(yi)經(jing)成為我(wo)(wo)國金(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)(gou)體(ti)系的(de)顯著特(te)征。統計顯示，我(wo)(wo)國金(jin)融(rong)(rong)(rong)(rong)業(ye)機(ji)(ji)構(gou)(gou)(gou)(gou)總資產超過450萬億元，銀行(xing)業(ye)金(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)(gou)數量多(duo)達4000多(duo)家。從(cong)全球范圍看，我(wo)(wo)國銀行(xing)業(ye)資產總規模(mo)居全球第一，股(gu)票、債券、保(bao)險的(de)規模(mo)居全球第二(er)。但也要清醒認(ren)識到，我(wo)(wo)國金(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)(gou)還(huan)存在發(fa)(fa)展水平參差(cha)不齊、競爭(zheng)力不夠(gou)強(qiang)等問題，金(jin)融(rong)(rong)(rong)(rong)服務實(shi)體(ti)經(jing)濟的(de)質效(xiao)仍(reng)不夠(gou)高，金(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)(gou)的(de)國際影響力有待進一步提升。加快建(jian)設金(jin)融(rong)(rong)(rong)(rong)強(qiang)國，必須不斷(duan)優化金(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)(gou)差(cha)異化發(fa)(fa)展路徑(jing)，培育更多(duo)具有國際競爭(zheng)力的(de)金(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)(gou)，推(tui)動(dong)金(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)(gou)(gou)由“大(da)”變(bian)“強(qiang)”。

　　打造強大的(de)金(jin)(jin)融(rong)(rong)(rong)機構(gou)，需要深刻把握金(jin)(jin)融(rong)(rong)(rong)機構(gou)與(yu)實(shi)體(ti)(ti)經(jing)濟之間的(de)關(guan)系。習(xi)近(jin)平總(zong)書記強調(diao)“堅(jian)持把金(jin)(jin)融(rong)(rong)(rong)服(fu)務(wu)實(shi)體(ti)(ti)經(jing)濟作為(wei)(wei)根本宗旨”，指出“要以(yi)金(jin)(jin)融(rong)(rong)(rong)體(ti)(ti)系結構(gou)調(diao)整優化(hua)為(wei)(wei)重點(dian)(dian)，優化(hua)融(rong)(rong)(rong)資結構(gou)和金(jin)(jin)融(rong)(rong)(rong)機構(gou)體(ti)(ti)系、市場體(ti)(ti)系、產品(pin)體(ti)(ti)系，為(wei)(wei)實(shi)體(ti)(ti)經(jing)濟發(fa)展提(ti)供更高質量、更有(you)效率(lv)的(de)金(jin)(jin)融(rong)(rong)(rong)服(fu)務(wu)”。真正強大的(de)金(jin)(jin)融(rong)(rong)(rong)機構(gou)，應(ying)當以(yi)服(fu)務(wu)實(shi)體(ti)(ti)經(jing)濟為(wei)(wei)出發(fa)點(dian)(dian)和落腳(jiao)點(dian)(dian)，不斷提(ti)升服(fu)務(wu)能力(li)和質效，為(wei)(wei)實(shi)現經(jing)濟高質量發(fa)展提(ti)供有(you)力(li)支撐。

　　應(ying)抓住重點、持續發(fa)力，在(zai)以下幾(ji)個方面做(zuo)(zuo)優(you)(you)做(zuo)(zuo)強(qiang)。拓(tuo)展(zhan)(zhan)功能，優(you)(you)化(hua)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)體系結(jie)構，在(zai)深化(hua)國有商業銀行(xing)改(gai)(gai)革、加快完善中小銀行(xing)和(he)(he)(he)農村(cun)信用社治(zhi)理結(jie)構的同(tong)時，規(gui)(gui)范(fan)發(fa)展(zhan)(zhan)非(fei)銀行(xing)金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構，建設(she)一流證券(quan)基金(jin)(jin)(jin)(jin)(jin)經營(ying)機(ji)(ji)構，形成一批精品(pin)投(tou)資銀行(xing)；加強(qiang)分工協(xie)作(zuo)，推動各(ge)類金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構堅守宗(zong)旨、回(hui)歸本源(yuan)，找準定位、優(you)(you)勢互補(bu)，切(qie)實(shi)增強(qiang)競(jing)爭和(he)(he)(he)服(fu)務(wu)(wu)能力；堅持以人民為中心(xin)的價值取向，豐富金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)產(chan)品(pin)和(he)(he)(he)服(fu)務(wu)(wu)，改(gai)(gai)善金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)供給(gei)，尤其要(yao)注重加強(qiang)對重點領域和(he)(he)(he)薄弱環節的支持，做(zuo)(zuo)好科技金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)、綠(lv)色金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)、普(pu)惠金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)、養老金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)、數字金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)五篇(pian)大文(wen)章，不(bu)(bu)斷(duan)適應(ying)經濟高(gao)質量發(fa)展(zhan)(zhan)新要(yao)求；拓(tuo)展(zhan)(zhan)國際業務(wu)(wu)，不(bu)(bu)斷(duan)提升(sheng)(sheng)在(zai)國際金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)市場中的影響力和(he)(he)(he)競(jing)爭力，為企業出(chu)海提供金(jin)(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)支持，助力高(gao)水平對外開放；堅持依法合規(gui)(gui)，不(bu)(bu)斷(duan)改(gai)(gai)善公司治(zhi)理，實(shi)現(xian)穩(wen)健經營(ying)，提升(sheng)(sheng)風險(xian)抵御(yu)能力，嚴守底(di)線、不(bu)(bu)越紅線。

　　縱觀全(quan)球金(jin)(jin)(jin)融(rong)(rong)(rong)發展(zhan)史，金(jin)(jin)(jin)融(rong)(rong)(rong)強(qiang)國(guo)無不擁(yong)有(you)強(qiang)大的金(jin)(jin)(jin)融(rong)(rong)(rong)機構(gou)。新時代(dai)新征程，著力打(da)造(zao)現代(dai)金(jin)(jin)(jin)融(rong)(rong)(rong)機構(gou)，完善機構(gou)定位，建立健全(quan)分工協作的金(jin)(jin)(jin)融(rong)(rong)(rong)機構(gou)體系，就(jiu)一定能夠不斷(duan)提升金(jin)(jin)(jin)融(rong)(rong)(rong)服務實體經濟的質(zhi)效，以金(jin)(jin)(jin)融(rong)(rong)(rong)高質(zhi)量發展(zhan)助力強(qiang)國(guo)建設(she)、民族復(fu)興偉業。

　　（作者田輝(hui)、賀洋(yang) 分別(bie)為國(guo)務(wu)院發展研(yan)究(jiu)(jiu)中(zhong)心金融研(yan)究(jiu)(jiu)所(suo)金融機(ji)構研(yan)究(jiu)(jiu)室(shi)主任、國(guo)務(wu)院發展研(yan)究(jiu)(jiu)中(zhong)心金融研(yan)究(jiu)(jiu)所(suo)副(fu)研(yan)究(jiu)(jiu)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