金融支持我国实体经济高质量发展问题研究

金融支持我国实体经济高质量发展问题研究摘要在国民经济中，实体经济是一个非常重要的经济主体。当前，我国经济由高速发展向高质量发展转型，高质量发展的实体经济在国民经济中占有举足轻重的地位。我国正处在实体经济转型升级和产业调整的关键时期，新冠疫情的爆发使实体企业遭受重创，如何实现实体经济高质量发展已经成为社会备受关注的热点话题。金融在经济发展中仍处于核心地位，没有金融的支持，实体经济很难达到高质量发展。要加强金融对实体经济的服务力度，切实有效地解决暴露的问题，促进实体经济的高质量发展，从而助推整体经济的高质量发展。论文从宏观和微观两个方面论述了实体经济高质量发展的内涵，并从理论上分析了金融和实体经济的关系。其次，对当前实体经济高质量发展过程中金融服务的现实状况进行了分析，指出了金融支持实体经济的问题和潜在风险。通过对个别发达国家的金融支持实体经济的情况，分析总结对我国有效的经验启示。最后针对存在的问题给出相应对策，金融对策对实体经济高质量发展提供动力支持。关键词：实体经济，高质量发展，货币政策，融资市场Research on Financial Support for High-quality Development ofChina's Real EconomyAbstract:In the national economy,the real economy is a very important economic subject.Atpresent,China's economy is transforming from high-speed development to high-qualitydevelopment,and high-quality development of the real economy plays a pivotal role in thenational economy.China is in a critical period of transformation and upgrading of the realeconomy and industrial adjustment,and the outbreak of COVID-19 has hit real enterpriseshard.How to achieve high-quality development of the real economy has become a hot topic ofsocial concern.Finance still plays a central role in economic development.Without financialsupport,it is difficult for the real economy to achieve high-quality development.We shouldstrengthen financial services to the real economy,effectively solve the problems exposed,promote the high-quality development of the real economy,so as to boost the high-qualitydevelopment of the overall economy.This paper discusses the connotation of high-quality development of real economy from macroand micro aspects,and analyzes the relationship between finance and real economytheoretically.Secondly,it analyzes the current situation of financial services in the process ofhigh-quality development of the real economy,and points out the problems and potential risksof financial support for the real economy.Through the individual developed countries'financial support to the real economy,analysis and summary of China's effective experience.Finally,corresponding countermeasures are given for the existing problems.Financialcountermeasures provide dynamic support for the high-quality development of the realeconomy.Keywords:The real economy,high-quality development,monetary policy,financing market目录一、引言…二、文章相关概念概述.......(一)实体经济高质量发展的内涵..(二)金融与实体经济高质量发展的关系...2三、金融支持我国实体经济高质量发展现状…3(一)构建多元化金融服务体系，为实体企业提供有效服务...........31.金融资源合理配置促进实体企业效率升级2.根据实体企业差异优化服务体系..(二)创新金融产品和金融特色服务方式..·31.金融产品创新拓宽企业融资渠道...·.32.特色金融服务方式助力传统实体经济改造升级...............4(三)金融外部和内部运行环境不断改善....5四、金融支持我国实体经济高质量发展存在问题分析6(一)金融结构体系与实体经济发展不匹配61.直接融资和间接融资比例不均衡...·2.民间金融和正规金融失衡......(二)融资渠道不畅且堵点多....61.民营企业融资优势弱.....2.金融监管有短板，对风险约束不到位...7(三)金融创新能力不足，无法满足实体经济发展需要…71.金融市场的创新能力不足...….72.金融服务和产品的创新能力不足...7五、发达国家金融支持实体经济高质量发展经验借鉴8(一)美国成功经验......81.制定中小企业资金援助计划...2.拓宽中小企业直接融资渠道，促进资金多元化..8(二)德国成功经验.81.鼓励创业投资高新技术小企业...·2.实行积极财政和税收政策鼓励中小企业发展.9(三)韩国成功经验.....91.建立专业化银行..…2.政府窗口指导与信用担保基金....(四)发达国家经验借鉴启示..91.充分落实中小企业贷款的扶持政策....92.引导金融机构创新金融产品，优化金融服务模式.........103.推动建立完善的企业信用担保体系....10六、金融支持