关于科技、绿色、普惠金融融合、有序发展与政策选择——基于协同理论的应用

Research on the Integration,Orderly Development and Policy Choices of Science and Technology,Green and Inclusive Finance——Based on the Application of Synergy Theory

科技、绿色、普惠金融都是金融的服务目标与内容,只是从不同维度打上了相关要求的烙印。这三种金融的共性特征是金融是服务手段、本身社会价值较大、商业性与社会性冲突较为明显,对于金融业来讲这三种金融实质上只是不同的产品线而已。这三个产品线之间既有相同地方又有不同之处。但实际工作中,往往将其分开运行,这既不利于金融资源运用效率,也影响单个产品线功能的发挥。根据协调理论的基本原理,通过对金融服务主体具有的服务概念要素、加以权重评分的矩阵得出优先支持对象,通过资源配置、使用顺序优化,将资源优先集中在具有最多概念的服务对象,实行差别化管理不仅可以有效地节约金融成本,焕发出更多的金融生产力,同时也有利于科技、绿色和普惠金融的共同发展。

Science and technology,green and inclusive finance are the service objectives and contents of finance,but they are branded with relevant requirements from different dimensions.The common characteristics of these three kinds of finance are that finance is a means of service,with great social value and obvious conflicts between commerciality and sociality.For the financial industry,these three kinds of finance are essentially just different product lines.There are similarities and differences between the three product lines.However,in practical work,they are often run separately,which is not conducive to the efficiency of financial resource utilization,but also affects the function of a single product line.According to the basic principle of coordination theory,the priority support object is obtained by weighting the service concept elements of the financial service subject and calculating the scoring matrix.Through resource allocation and use sequence optimization,resources are focused on service objects with the most concepts.The implementation of differentiated management can not only effectively save financial costs and radiate more financial productivity,but also facilitate the common development of science and technology,green and inclusive finance.