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找到“促发展”与“防风险”平衡点

2017-08-28 06:16:48   中国青年网

“回归本源、聚焦主业、更好地服务实体经济,这是中国银行业义不容辞的责任。”在日前举办的“2017中国银行业发展论坛”上,多位业内人士围绕“银行业如何更好地服务实体经济”这一话题开展了探讨。

“在具体的经营过程中,要想将服务实体经济、提高服务质效落实到位,就要首先了解实体经济的金融需求痛点在哪里。”兴业银行行长陶以平说。具体来看,一是实体经济具有周期性,银行一般是顺周期经营;二是实体经济有普惠性要求,银行则在经营过程中有盈利性考虑;三是实体经济的金融需求越来越个性化、多元化、综合化,银行的专业服务能力却有待提升;四是实体经济对金融服务效率格外重视,银行更强调稳健安全的流程控制。

“没有不好的行业,只有不好的企业。”中国邮政储蓄银行董事长李国华表示,银行业应处理好“新”与“旧”的关系,一方面积极支持战略性新兴产业、高新技术产业和创新创业企业发展;另一方面也要加强对传统产业改造升级的支持,特别是对制造业的支持,做到有取有舍、有保有压、有进有退,促进自身信贷结构优化调整。商业银行在积极支持大项目、大企业的同时,更要加强对小微企业、“三农”和偏远地区的金融服务,推进金融精准扶贫,把履行社会责任与商业化经营统一起来。

“银行业回归本源、健康发展,需要以治理好金融乱象、防控好金融风险为基础,同时要防范金融乱象无序演化对经济金融发展带来的危害,需要以强化金融基础设施建设为前提。”中国工商银行董事长易会满建议,建立一张能反映金融业运行整体情况和风险实质的超级资产负债表。“目的是从根源切入,在基础问题上开展顶层设计,以便对各类金融风险做到心中有数、手中有方、对症施治。”

他认为,这张“超级资产负债表”应涵盖表内+表外、境内+境外、存量+流量、即期+远期、传统+创新多个维度,是一张全视角、全覆盖、全口径反映金融业运行状况和风险实质的“体检表”,以可计量、可调控为根本目标,以统一性、前瞻性、渐进性、实效性为主要特征。

易会满表示,在此过程中,要坚持基础资产透明,穿透识别各类通道、委外类金融产品,防止“套娃”式包装。

多位业内人士认为,为了更好地提高服务实体经济质效,银行业自身也要开展供给侧结构性改革,一要提高专业能力,尤其是对行业、企业的分析研究能力,二要提高运营效率,突出差异化经营。

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