天津储蓄转投资状况分析与金融创新战略选择

Analysis on the Transition from Deposit Saving to Investment in Tianjin and the Strategic Approach of Financial Innovation

国家“十一五”规划将天津市定位为“中国北方经济中心”,天津市要协调好政策与经济发展的关系,抓住这一重要契机,重树天津为北方金融中心的地位。2005年起滨海新区金融迅速崛起,全国第一家股份制商业银行渤海银行在津建立,可以感受到发展的脉动在天津逐渐增进;然而天津近些年的储蓄投资状况依然不太乐观,储蓄额长期居高不下,不利于资金的高效配置,不利于实现资本积累到技术创新的升华。本文通过分析天津储蓄高额攀升的情况来找出一些问题根源,力图解决天津市储蓄漏损问题,并从个人理财业务的拓展及资本市场产品的多样化等金融创新的角度提出改革建议。

Tianjin is positioned as ＂the Economic Center of North China＂ in the State ＂Eleventh Five-Year Plan＂. It is a crucial opportunity for Tianjin to harmonize the relationship between its policy and economic development and rebuild the important position as a North China financial center. Since 2005, the Binhai economic area has been growing up with an amazing speed, demonstrated by the setting up of the first joint-equity commercial bank ＂Bohai Bank＂. While at the meantime, the ratio of deposit saving and investment in Tianjin in recent years has not been very optimistic, as the deposit saving amount keeps high, which not only goes against the effective capital allocation, but also against the sublimation from capital accumulation to technology innovation. Under such circumstance, the paper searches for the reasons behind the phenomenon by analyzing the issues of the high deposit saving, tries to solve the problems of cash outflow in deposit saving and puts forward suggestions on financial innovation from the perspective of the development of individual financing and diversity of financial products.