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金融活水滋养发展活力

2017-08-24 05:06:24   中国青年网

本报北京8月23日电 (记者欧阳洁、王观)近日,重庆键英液压机电有限公司总经理周剑通过手机申请贷款。几步简单操作,前后三五分钟,周剑就在重庆银行江津支行网点申请到50万元的信用贷款额度。“前几天刚给了银行税收信息查询授权,这么短时间就拿到贷款,真是解了燃眉之急。”

服务实体经济,是金融业的天职。前些年,金融资产总量不断膨胀,向实体经济传导却出现一些障碍,投资效率不升反降。现在,从唯利润、重效益、粗放式转向调存量、优增量、换动能,金融业把服务实体经济作为出发点和落脚点,全面提升服务质效,将更多金融资源配置到发展的重点领域和薄弱环节,力促资金脱虚向实。针对一些背离实体经济、虚投空转的现象,人民银行、银监会等部门亮出监管重拳,开展专项治理,引导金融机构依法合规经营,“堵旁门、开正门”。

在金融业,银行业资产占比近90%。“通过整治市场乱象,目前资金脱实向虚的势头得到初步遏制,主要监管指标保持稳定,风险总体可控。”银监会审慎规制局负责同志说,今年上半年,一些关键性数据发生积极变化:银行业同业、理财和表外业务逐步规范,同业资产、同业负债规模自2010年以来首次双双收缩;制造业贷款增速由负转正,连续6个月保持正增长,银行资金更多涌向以制造业为代表的实体经济。

资金“活水”丰沛,发展动力才会更强劲。越来越多创新型、创业型、成长型中小微企业从资本市场获取资金支持,也从银行得到贴心服务。高技术制造业、服务业等行业成了“香饽饽”,从产能过剩行业释放出来的信贷资金,源源流入这些新兴领域。8月9日,中国商用飞机有限责任公司和华泰资产管理有限公司签订战略合作协议,约150亿元的保险资金将逐步投向中国“大飞机”,为国家高端制造业“输血”“给养”。

融资成本下降,发展脚步才会更轻快。今年以来,尽管全社会资金成本在上升,但银行业搭乘互联网快车,创新服务方式,主动减费让利,与企业共生共荣,破解“融资贵”。在江苏从事机械制造业的王建兴说:“像我们这类有专利的民营企业,如今能申请到优惠贷款了,利率比以前下降30%左右,而且贷款抵押评估、登记、担保等七七八八的手续费也免了,仅评估费率一项就节约2%。”银监会负责人日前表示,将坚决治理“干活不弯腰”“坐地收钱”,确保全年向客户让利不少于440亿元。

资金渠道多元,发展支点才会更坚实。前7月,新三板有1678家挂牌公司完成1720次股票发行,融资751.89亿元,融资规模逐年增长。金融市场还成为资源整合的有效手段,我国上市公司并购重组交易金额已居全球第二。借助并购重组,有的上市公司通过减少恶性竞争,提高行业集中度,化解过剩产能,有的通过置出过剩产能,置入优质资产,重新“盘活再生”,从传统行业成功转型到战略性新兴产业。

有增有减,增减之间,金融业更深地扎根于实体本源。“金融在服务改革、促进经济转型升级方面成效积极。对市场看好的先进制造业、服务业等,金融机构接连发力支持,而对产能过剩行业的信贷投放力度明显减弱。有扶有控、有保有压,信贷结构不断优化。”人民银行调查统计司主要负责同志说。

金融稳,经济稳。国际货币基金组织最近对中国经济的年度评估指出,“中国政府推出重要举措去杠杆,信贷增速正在放缓,巨大的‘信贷缺口’也在缩小”,并上调了对中国经济前景的预期。美国权威评级机构穆迪公司近日将中国银行业系统的评级展望从“负面”上调至“稳定”。金融服务实体经济能力不断增强,让中国经济更健康、更有活力。

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