金融资本脱实向虚的风险及对策研究

Research on the Risk and Countermeasures of Financial Capital “Off Real to Virtual”

随着我国经济进入新常态,实体经济回报率呈现下降趋势。在资本逐利的驱使下金融创新方兴未艾,导致金融资本呈现明显的脱实向虚趋势。金融行业作为典型的虚拟经济,其发展依托于实体经济,且以服务实体经济为重要使命。金融资本脱实向虚会导致其金融行业与实体经济发展相互拖累,并产生在金融体系内部累积金融风险,滋生违法犯罪扰乱金融秩序等恶劣后果。有鉴于此,一方面要多管齐下促进金融资本流向实体经济,另一方面要加强监管,规范金融业健康发展,实现金融行业和实体经的平衡发展和良性互动。论文在分析金融发展脱实向虚的原因及危害的基础上,提出促进金融服务实体经济的对策建议。

As the economy entered the new normal,the rate of the real economy return shows a downward trend.Driven by the capital pursuit,financial innovation springs up like mushrooms,leading the financial capital“off to virtual”.As a typical virtual economy,the financial industry relies on the real economy and its mission is to serves the real economy.The“off to virtual”of financial capital will lead to the mutual impoverishment of the financial industry and the real economy,which will lead to the accumulation of financial risks within the financial system and the harsh consequences of breaching criminal law impeding the financial order.In view of this,on the one hand,multi-pronged measures should be taken to promote the financial capital to the real economy;on the other hand,it should strengthen supervision and regulate the healthy development of the financial industry so as to achieve balanced development and positive interaction between the financial industry and the real economy.Based on the analysis of the causes and harms of the financial capital“off to virtual”,this paper puts forward countermeasures and suggestions on how to promote the financial serve the real economy better.