新常态 新经济 新金融——未来我国金融业面临的挑战与应对策略

The New Normal, New Economy and New Finance——The Future Challenges Faced by China's Financial Sector and Responding Strategies

受全球金融危机和世界经济衰退影响,我国经济新常态发展阶段。经济的新常态也对我国金融业发展提出了新的机遇与挑战,传统金融业的高速增长态势难以为继,金融结构不合理的问题日益突出,金融在支持经济发展新动力方面尚有欠缺,互联网金融迅速发展对货币金融环境产生深远影响,货币政策调控框架面临挑战。金融业必须因时而变、因势而变,不断开拓新的增长点与业务面。应积极探索新常态下金融业健康发展的新模式和新路径:(1)金融业应牢固树立服务实体经济的宗旨意识,坚守服务本质,保持适度增长;(2)加快金融业改革与创新步伐,以推进经济转型为主线,实现金融业自身的转型;(3)改革和完善金融监管体制,有效防范经济下行带来的金融风险;(4)对我国货币政策调控框架进行改革与调整。

Affected by the global financial crisis and world economic recession, China＇ s economy is entering into the develop- ment stage of the new normal. Economy＇ s new normal also brings the new opportunities and challenges for the development of Chi- na＇ s financial sector, the high-speed growth of the traditional financial sector is unsustainable, the problem of the unreasonable finan- cial structure is increasingly prominent, the impetus of the financial support to the economic development is deficient, the rapid devel- opment of the internet finance has a profound impact on the monetary and financial environment, and the monetary policy framework is facing challenges. Therefore, financial sector must constantly explore new growth points and business according to the circum- stances and potential changes. Explorations should be actively made for the new mode and new path of the healthy development of the financial sector under the new normal. First, the financial sector should firmly establish a consciousness of serving the real economy to stick to the service nature and maintain a moderate growth. Second, the reform and innovation of the financial sector should be speed- ed up to realize the transformation of the financial sector itself through promoting the economic restructuring. Third, the financial regu- latory system should be reformed and improved to effectively prevent financial risks caused by the economic downturn. And last, Chi- na＇ s monetary policy regulation and control framework should be reformed and adjusted.