中国式现代化需要怎样的金融体系

The Financial System for Chinese Modernization

中国式现代化是人口规模巨大、全体人民共同富裕、物质文明与精神文明相协调、人与自然和谐共生、走和平发展道路的现代化,要求金融体系强化“坚持和加强党对金融工作的领导、以人民为中心、金融经济共生共荣”三大理念,同时具备“政治性、人民性、安全性、效益性、创新性、开放性”六大特征。

Chinese modernization is socialist modernization pursued under the leadership of the Communist Party of China.It is the modernization of a huge population.It is the modernization of common prosperity for all.It is the modernization of material and cultural-ethical advancement.It is the modernization of harmony between humanity and nature.It is the modernization of peaceful development.And finance plays an indispensable role in it:The function of finance in promoting the distribution of resources across time and space in an uncertain environment and its role as a"catalyst"for industrial growth and industrial structure transformation are conducive to dealing with the challenges and opportunities brought by the huge population.While consolidating the material foundation for common prosperity,finance can reduce social inequality by effectively managing risks and reducing randomness.As the soil of cultural-ethical advancement,culture permeates all kinds of financial activities everywhere,and finance is often associated with the state and ideological projects,so it helps to coordinate material and cultural-ethical advancement.Green finance can promote sustainable development,thus conducive to harmony between humanity and nature;Finance can promote world peace since the global capital market has long been able to influence governments'decision-making,and the operating logic of the global financial system itself has become the rule of economic policy.The financial system aiming at promoting Chinese modernization must strengthen and adhere to the Party's leadership,be people-centered,and sharing a common stake with the real economy.Only by adhering to the centralized leadership of the CPC can the financial system make sure that the financial reform and development are in the correct direction and ensure national financial security.The financial system should be people-centered,solve their difficulties,meet the diversified financial needs of the people and the real economy,continue to expand the high-level two-way opening-up of the financial industry,and use financial power to promote the building of a community with a shared future for mankind.The financial system must uphold the ideal of sharing a common stake with the real economy and that"finance is the lifeblood of the real economy,and serving the real economy is the bounden duty of finance."Therefore,the financial system serving Chinese modernization should be political,people-centered,safe,efficient,innovative,and open.It should adhere to the centralized leadership of the Party over financial work,and truly translate the political advantage of the Party's leadership and the advantage of China's socialist system into advantages in operation and development and more effective governance.It should adhere to the peoplecentered development philosophy,focus on the pain points,difficulties of the people,continue to improve financial products,concentrate on the redistribution effect of monetary and credit policies,narrow the income gap,and contribute to common prosperity.It should improve the long-term mechanism for preventing and resolving financial risks,build a financial safety net,and form a national pattern of financial risk prevention and control,constantly improve the comprehensive,active and intelligent risk management system and mechanism,improve the institutional,technological and managerial means for risk prevention and control,and firmly safeguard the bottom line of no systematic risk at the micro management level.It should be committed to improving the quality and efficiency of financial services for the real economy,continue to promote the marketoriented reform of financial factors,improve the function of the capital market,increase the proportion of direct financing,effectively reduce the cost of financing for the real economy,continuously optimize the allocation of financial resources,and cultivate new drivers of economic growth.It should promote technological innovation and advancement,industrial upgrading and iteration through fin-tech innovation,promote digital green financial innovations that serve the carbon peak and carbon neutrality goals,and develop differentiated and innovative financial products to meet consumers'wealth management needs.It should adhere to the principles of marketization,rule of law and internationalization,build a new type of financial system with a higher level of opening-up,and realize the transformation of the opening-up pattern from driven by the commodity and factor flow to one by institutions.