Core Viewpoint - The article highlights the significant achievements of China's financial sector during the "14th Five-Year Plan" period, emphasizing the enhancement of financial services to the real economy, deepening financial reforms, and improving international competitiveness [1][2][4]. Financial Achievements - As of June 2023, China's banking sector total assets reached nearly 470 trillion yuan, ranking first globally, with stock and bond market sizes ranking second [1]. - Over the past five years, the banking and insurance sectors provided an additional 170 trillion yuan in funding to the real economy, with annual growth rates of 27.2% for scientific research loans, 21.7% for manufacturing medium- and long-term loans, and 10.1% for infrastructure loans [2]. Support for Innovation and SMEs - The financial system has focused on supporting technological innovation, with over 90% of newly listed companies being technology-related. The market capitalization of the A-share technology sector exceeds 25% [2]. - The balance of inclusive loans for small and micro enterprises reached 36 trillion yuan, 2.3 times that of the end of the "13th Five-Year Plan" [2]. Financial Market Opening and Internationalization - The "14th Five-Year Plan" period saw further deepening of reforms and opening up in the financial sector, with high-level institutional opening of capital markets and steady progress in the internationalization of the renminbi [2][3]. - By the end of July 2023, foreign institutions and individuals held over 10 trillion yuan in domestic stocks, bonds, and deposits, with panda bond issuance exceeding 1 trillion yuan [2][3]. Risk Management and Financial Stability - The period was crucial for transforming old and new growth drivers, with significant achievements in preventing and mitigating financial risks, including a reduction in the number of high-risk institutions and assets [3]. - By June 2023, the number of financing platforms had decreased by over 60%, and the scale of financial debt had dropped by over 50% compared to the beginning of the year [3]. Future Outlook - The financial sector aims to continue enhancing service quality and efficiency, supporting the real economy and technological innovation, while promoting high-level opening and the internationalization of the renminbi to lay a solid foundation for high-quality development in the "15th Five-Year Plan" [4].

今日，《学习时报》发表了 中国人民银行党委委员、副行长 陆磊的《 完善金融机构定位和治理 健全服务实 体经济的激励约束机制》，全文如下： 分工协作的金融机构体系不断健全。党的十八大以来，金融管理部门进一步完善金融机构的定位和功能，推动 各类金融机构坚守宗旨、回归本源，找准定位、优势互补。目前，我国金融业已形成了覆盖银行、证券、保 险、信托、基金、期货等领域，种类更加齐全、业态日趋丰富、分工更加明确、协作基础不断强化的金融机构 体系。截至2024年三季度末，我国金融业机构总资产近490万亿元，银行业金融机构数量超4000家，资产规模 居全球第一，5家国有大型银行为全球系统重要性银行，保险、股票和债券市场规模均居全球第二。 经济和金融高质量发展的必然要求。完善金融机构定位和治理是提升我国金融机构服务质效的关键，是进一步 深化金融供给侧结构性改革的内在要求。党的十八大以来，我国已经建立起一个全面、多元且能满足不同层级 需求的金融服务体系，需要进一步建立健全金融服务实体经济的激励约束机制，确保金融体系服务实体经济更 加精准高效，各类金融机构之间协同合作、功能相互协调，促进市场形成良性竞争秩序和高效资源配置，为我 国经 ...