北京金融产业发展的比较优势、风险及建议——基于与沪津深渝金融产业政策比较视角

The Comparative Advantages,Risks and Recommendations of the Financial Industrial Development in Beijing

北京、上海、深圳、天津、重庆等都是在政府产业政策主导下发展起来的金融业发达和相对发达城市。本文重点比较分析了北京与上述其它四个城市在促进金融产业发展政策方面的差异,发现金融产业政策在促进金融机构快速聚集的同时,也存在着政策趋同导致竞争加剧的问题。本文认为,政府主导下的北京金融体系存在着效率损失、周期性风险和金融结构与城市发展目标冲突等问题,建议从统一金融监管、加大外资金融机构引进和发展金融交易功能等方面提升北京金融服务水平和国际地位。

Beijing, Shanghai, Shenzhen, Tianjin and Chongqing are all financially developed or relatively developed cities, directed by the local government＇s industrial policies. Focusing on a comparative analysis of differences between Beijing and the other four cities in policy promotion of financial industry development, this paper finds out that policies tend to converge and aggravate competition although financial institutions aggregation can be facilitated also. Since efficiency loss, cyclical risk and conflict between financial structure and urban development goals emerge in Beijing＇s government-directed financial system, this paper recommends unifying financial supervision, augmenting the introduction of foreign financial institutions and the development of financial transactions.