金融供给侧结构性改革背景下商业银行支持民营企业发展路径研究

Research on the Development Path of Commercial Banks Supporting Private Enterprises under the Background of Financial Supply-side Structural Reform

民营经济是社会主义市场经济的重要组成部分,民营企业已成为创新创业的主力军,支持民营企业发展具有重要的现实意义。商业银行作为民营企业融资的主体,金融供给存在金融产品不丰富、金融供给投向不均衡、金融服务不广泛、金融服务质量不高效等问题。在金融供给侧结构性改革的背景下,商业银行要改变金融供给现状,通过完善内部绩效考核机制,加快金融产品创新,优化金融供给结构,大力发展金融科技,可有效增加有效金融供给,增强金融服务实体经济能力,防范化解系统性金融风险,以推动民营企业健康发展。

The private economy is an important part of the socialist market economy.Private enterprises have become the main force for innovation and entrepreneurship.It is of great practical significance to support the development of private enterprises.As the main body of financing for private enterprises,commercial banks have many problems in financial supply,such as the lack of financial products,the imbalance of investment direction of financial supply,the lack of extensive financial services,and the inefficient quality of financial services.Under the background of financial supply side structural reform,commercial banks should change the current situation of financial supply,improve the internal performance appraisal mechanism,accelerate the innovation of financial products,optimize the structure of financial supply,vigorously develop financial science and technology,increase the effective financial supply,enhance the real economic capacity of financial services,prevent and resolve systemic financial risks,and promote the healthy development of private enterprises.