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引导江苏新金融服务实体经济的着力点研究

文章摘要

本文首先分析了新金融发展的特点,主要是规模小但发展快速;区域发展不均衡且相对集中;新金融各领域发展不平衡且差异明显,各部门对传统金融的影响程度也不同。在供给侧结构性改革背景下,新金融可以助力江苏省的经济转型方面,重点在强化新金融对实体经济的支持。最后,文章分析了新金融发展中存在的问题,重点关注征信和风控环节。最后,提出新金融支持江苏实体经济发展的政策建议:完善新金融发展环境;完善互联网金融征信体系建设,消除“数据孤岛”现象;提高互联网金融准入门槛,继续做好外部监管;促进传统金融机构与互联网金融优势互补,合作共赢;拓展新金融发展新方向;促进新金融与传统金融的融合发展;加强借贷者守信教育和投资风险教育。

Abstract

This paper first analyzes the characteristics of new financial development,mainly including small scale but fast development,unbalanced regional development and relatively concentrated development. The development of new financial sector is uneven and the difference is obvious. The influence of various sectors on traditional finance is also different. Under the background of the structural reform of the supply side,the new finance can help the economic transformation of our province,focusing on strengthening the support of the new finance to the real economy. Finally,the article analyzes the problems in the new financial development,focusing on credit and wind control. Finally,put forward the new financial support of Jiangsu real economy policy recommendations:improve the new financial development environment;improve the construction of Internet financial credit system,eliminate the phenomenon of “data island”;to improve internet financial barriers to entry,continue to do the external supervision;the promotion of traditional financial institutions and Internet Financial advantage complementary,win-win cooperation;develop new financial development direction;promote the integration of the new financial and traditional financial development;strengthen education and education investment risk and trustworthy borrower.

作者简介
蒋昭乙:蒋昭乙,江苏省社会科学院世界经济研究所副研究员,博士。