聚焦"十五五"战略目标 全面提升金融服务效能（五） 杨成长、龚 芳、陆铭俊 以可得性、适配性、综合性为代表的"三性"是衡量金融服务效能的重要维度。"十五五"期 间，金融机构应转变发展理念，以客户真实需求为导向，通过全面提升金融服务的可得性、适配 性与综合性，最终推动金融与实体经济形成共生共荣的新格局。 金融服务的可得性旨在让各类经营主体都能便捷获取基础金融服务。破解金融服务可得性难 题需要从创新服务模式、优化产品设计、丰富数字渠道和完善信息披露等多个维度协同推进。 金融服务的适配性是提升金融市场资源配置效率的关键。破解金融服务适配性难题要求金融 机构从企业真实财务需求、治理需求、风险需求、运营需求出发，提供更有针对性的金融服务。 金融服务的综合性是金融机构之间通过加强合作，更好满足企业多元综合金融需求的能力。 提升金融服务综合性亟需金融机构在现有分业监管的要求下，加大合作，探索大项目联合服务、 园区金融共同体等机制，更好满足企业的综合金融服务需求。 综合性反映金融体系满足企业多元综合金融需求的能力。随着企业规模扩大与业务复杂化， 单一类型的金融服务已难以满足其多元化、跨周期、全链条的需求。从跨境融资到并购重组 ...

Core Viewpoint - The article emphasizes the need for financial institutions to enhance the effectiveness of financial services by focusing on three key dimensions: accessibility, adaptability, and comprehensiveness, in order to better serve the real needs of clients and promote a symbiotic relationship between finance and the real economy [1][2]. Group 1: Accessibility of Financial Services - Accessibility aims to ensure that various business entities can easily obtain basic financial services. Challenges in accessibility include insufficient coverage of financial services, high hidden costs, and a lack of understanding of financial products [7][8][9]. - As of Q3 2025, the balance of inclusive small and micro loans in China exceeded 36 trillion yuan, yet many startups and county-level enterprises still face difficulties in financing due to long approval processes and high entry barriers [3][7]. - The average interest rate for newly issued inclusive small and micro enterprise loans fell to 3.48% in June 2025, but the actual financing costs remain high due to additional fees, leading to a comprehensive financing cost that can exceed nominal rates by 2 to 3 percentage points [8]. Group 2: Adaptability of Financial Services - Adaptability reflects the degree to which financial tools match the needs of enterprises. Current mismatches include issues with long-term funding being filled with short-term resources and the confusion between equity and debt financing [14][16]. - Enterprises often face a mismatch in risk management tools, particularly in managing price volatility risks, which can lead to inefficiencies in capital usage and increased operational risks [15][18]. - Financial institutions need to provide targeted financial solutions based on the real financial structure and operational needs of enterprises, particularly in long-term investments and technology upgrades [16][17]. Group 3: Comprehensiveness of Financial Services - Comprehensiveness refers to the ability of financial institutions to meet diverse financial needs through collaboration. Current limitations stem from regulatory frameworks that restrict cross-sector cooperation among financial institutions [19][21]. - There is a growing demand for integrated financial services that encompass asset evaluation, risk investment, and strategic consulting, yet financial institutions often fail to respond adequately to these needs [21][22]. - Establishing financial service joint ventures for large projects and promoting regional financial community models can enhance the comprehensive service capabilities of financial institutions [22][23].