金改视角下温州金融服务实体经济的路径探讨——基于温台金融改革比较分析

Approach on the Path of Finance to Serve Real Economy Under the Perspective of "Finance Reform"——Based on A Comparative Analysis of Finance Reform in Wenzhou and Taizhou

浙江温州、台州作为民营经济的发祥地,在其发展中出现“两多两难”问题,为破解难题,温州、台州在金融改革做了很多有益的尝试。本文以金融改革视角对温州、台州金融改革的模式和成效进行比较探讨金融服务实体经济的路径。研究结果表明,温州金融综合改革(简称“温州金改”)和台州小微企业金融服务改革创新(简称“台州金改”),作为地方金融改革的两种典型模式,改革路径各有侧重,举措各有特色,服务实体经济的成效也有差异,最后提出相关政策建议。

As the birthplace of folk economy,Taizhou and Wenzhou have encountered the problem“two Excesses and two Dilemmas”-excessive SMEs with financing dilemmas and excessive private capitals with monitoring dilemmas.In order to solve the problem,these two cities have made many effective attempts in financial reform.Based on this,this paper compared the differences between Taizhou and Wenzhou in the mode and effect of financial reform,so as to explore the path of financial services to the real economy.The result showed that,with the financial reform in Wenzhou focusing on comprehensive reform and the financial reform in Taizhou focusing on the serve for MSME,these two cities have significant differences in the emphasis of reform,specific measures and the effectiveness of finance serving the real economy.Accordingly,this paper put forward relevant policy recommendations on financial reform.