新型城镇化进程中的金融支持研究——基于金融创新的视角

Research on Financial Support for New Urbanization Construction

本文基于金融创新的视角对现阶段金融系统支持新型城镇化建设面临的主要问题进行了分析。研究发现,金融机构盈利性要求与城镇化建设公益性之间的矛盾、金融机构市场定位与城镇化发展战略的矛盾、金融产品同质化加剧城镇化建设"融资难"以及金融网点分布不均与新型城镇建设需求多样化的矛盾是现阶段我国金融支持城镇化建设所面临的主要问题。在此基础上,提出了包括完善现有金融体系、引导金融机构服务于实体经济的发展、扩大财政资金的投入、完善金融市场结构与财政风险投资机制、创新金融监管方式等相应的金融支持对策。

This paper analyzes the main problems in the process of new urbanization construction from the per-spective of financial innovation. The research finds that there are four main contradictions in the process of new urban-ization construction. These are contradiction between the profitability requirements for financial institutions and the ur-banization construction of public welfare,the conflict between urban development strategy and market positioning of fi-nancial institutions,the difficulty of financing intensified by financial product homogeneity as well as the conflict be-tween the uneven distribution of financial outlets and the diversified requirements urbanization construction. On thisbasis,it puts forward to the corresponding suggestions such as improving the existing financial system,guiding the de-velopment of financial services to the entity economy,expanding fiscal funds,improving the financial market structureand the financial risk investment mechanism as well as improving the innovation of financial regulation.