金融要成为社会稳定和发展的保障系统——五为中国金融立论

Finance Should Become the Guarantee System for Social Stability and Development:For the Fifth Time Making a Point for Chinese Finance

金融要成为社会稳定和发展的保障系统,必须确定现代金融服务业,必须关注现代经济生活的变化。而现阶段讨论国内金融业的保障功能,应着重关注以下经济社会特征:适龄劳动力增加,就业压力增大;人们收入增加,中产阶层正在形成;贫富差距仍然较大,两极分化仍需防范;人口老龄化,社会保障需要建立和完善;追求公平正义成为社会和谐稳定的“定海神针”。同时,面对经济社会的变迁,当代金融领域面临多方面的挑战:数字货币的挑战、金融科技的挑战、金融需求多元化与差别化的挑战。一个国家经济社会的进步和发展,必须建立两大系统:社会成员生活水平提高的保障系统、社会成员生命和财产安全的保障系统。社会是一张“资产负债表”,当代金融的运作涵盖整个社会,社会的进步和发展在于求得这张资产负债表的平衡。建立金融保障体系,要防止通货膨胀并遏制资产泡沫;要着力推动乡村振兴,巩固脱贫成果;要建立完善新的市场主体——社区银行。

The modern financial service industry must be established,and attention must be paid to the changes in modern economic life,if finance is to become the guarantee system of social stability and development.At this stage,when discussing the guarantee function of China’s financial industry,we should focus on the economic and social characteristics:the employment pressure is increasing due to the increase of the workforce of the right age;people’s income is increasing and the middle class is forming;the gap between the rich and the poor is rapidly expanding and the polarization needs to be prevented;the population is aging and social security needs to be established and improved;the pursuit of fairness and justice has become the foundation for social harmony and stability.At the same time,in the face of economic and social changes,the contemporary financial sector is faced with challenges in many aspects such as digital currency,financial technology,diversification and differentiation of financial needs,etc.The progress and development of a country’s economy and society need establish two major systems:the guarantee system to improve the living standards of members of society,and the guarantee system to protect the lives and property of members of society.Society is a“balance sheet”,and the operation of contemporary finance covers the whole society,and the progress and development of society lies in the balance of this balance sheet.To establish a financial guarantee system,we should prevent inflation and curb asset bubbles,focus on promoting rural revitalization and consolidating the achievements of poverty eradication and establish and improve new market players,namely community banks.