提高金融产业竞争力 确保金融产业安全

Improve the Competitiveness of Financial Industry and Guarantee the Security of Financial Industry

本文认为,通过二十多年的金融改革,我国金融产业竞争力有了很大提高,银行业、证券业、保险业都取得长足发展,但我国金融业的国际竞争力还相对较低,主要表现为金融创新相对落后。提高金融产业竞争力是确保金融产业安全的重要举措。文章提出,金融业最终要提高国际竞争力,必须关注自身的发展。首先,要正确处理金融创新和金融监管的关系,既要充分发挥金融创新在提高金融效率、降低金融风险方面的作用,又要使金融监管合理、合法、适度、有效,切实防止过度投机。其次,要正确处理虚拟经济和实体经济的关系,大力发展银行业、证券业、保险业等虚拟经济。第三,要培养具有国际化视野、能够参与国际竞争的人才。第四,要尽快提高信息化水平,尤其要加强信用体系建设。第五,要注重引进能够在市场、技术、管理上对企业有所帮助的战略投资者。

The author believes that improving the competitiveness of financial industry is one of the important measures for us to guarantee the security of financial industry. But, to improve the international competitiveness of this industry, we have to pay more attention to the development of this industry itself. First, we should correctly deal with the relationship between financial innovation and supervision by not only giving full play to the role of financial innovation in improving financial efficiency and decreasing financial risk, but also making the financial supervision to be more rational, legal, moderate and effective to prevent excessive speculation. Second, we should correctly deal with the relationship between virtual economy and real economy and give more support for the development of such virtual economies as banking, security and insurance. Third, we should cultivate more talented people for the participation of international competition. Fourth, we should improve the level of informationization and the construction of credit system. And fifth, we should introduce more strategic investors.