区域金融改革的目标设定与路径选择:基于浙江案例的研究

发布时间：2018-02-22 12:44

本文关键词： 金融体制改革民间金融农村金融贸易金融小微金融　出处：《南方金融》2017年03期 　论文类型：期刊论文

【摘要】：自下而上的区域金融改革是我国金融改革的重要组成部分。2012年以来,浙江先后在温州、丽水、义乌、台州开展区域金融改革试点。目前,这些试点都取得了阶段性的成效。民间融资阳光化、规范化发展,发布民间融资的"温州指数";农村产权融资服务体系不断完善,农村金融服务环境不断优化;贸易金融平台建设加快推进,贸易投资便利化水平不断提升;小微企业融资环境不断改善,形成具有全国影响的"台州小微金融经验"。总结浙江开展区域金融改革试点的经验,可以得到两方面启示:第一,区域金融改革目标的设定,要专注少量目标,注重目标的科学性和适当性;要平衡长短期目标,注重改革的长期效应;要鼓励创新,允许试错、宽容失败;要注重探索可复制、推广的经验,区分金融改革的目标与措施。第二,区域金融改革的路径选择,不能单兵突进,要多方联动;不能因循守旧,要注重数字技术在金融领域的运用;不仅要谋求政策突破,还要注重集成创新;要牢守不发生金融风险的底线。
[Abstract]:The bottom-up regional financial reform is an important part of China's financial reform. Since 2012, Zhejiang has successively carried out regional financial reform pilot projects in Wenzhou, Lishui, Yiwu and Taizhou. These pilot projects have achieved periodic results, such as the sunshine of folk financing, the standardization of development, the publication of "Wenzhou index" of private financing, the continuous improvement of rural property financing service system and the continuous optimization of rural financial service environment; The construction of trade and finance platforms has been accelerated, the level of trade and investment facilitation has been improved, the financing environment of small and micro enterprises has been continuously improved, and the "Taizhou small and micro finance experience" with national influence has been formed. Two aspects of enlightenment can be obtained: first, the setting of regional financial reform goals should focus on a small number of goals, focusing on the scientific nature and appropriateness of the goals; the long-term effects of reform should be balanced against short-term and long-term goals; and innovation should be encouraged to allow trial and error. Tolerance for failure; attention should be paid to exploring replicable and popularizing experiences and distinguishing the objectives and measures of financial reform. Second, the path choice of regional financial reform should not be single-handedly advanced, but should be linked in various ways; it should not be conserved. It is necessary to pay attention to the application of digital technology in the field of finance, not only to seek policy breakthroughs, but also to pay attention to integration and innovation, and to firmly guard the bottom line of financial risks.
【作者单位】：中国人民银行杭州中心支行;
【分类号】：F832.1

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