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筑牢金融生态基底 以互补协同之力服务地方经济发展 访中国人民银行雅安市分行副行长梁婷
Jin Rong Shi Bao· 2025-09-05 05:04
Core Viewpoint - A well-functioning county financial ecosystem is essential for promoting high-quality county economic development, supporting rural revitalization, and advancing urban-rural integration [1] Group 1: Financial Ecosystem Development - The People's Bank of China in Ya'an is constructing a financial ecosystem characterized by collaboration and precise empowerment to enhance the financial services for the county economy [1] - Financial institutions are encouraged to optimize their service offerings and establish a layered, complementary financial supply structure to address the issue of product homogeneity and narrowing interest margins [2][3] Group 2: Differentiated Development Strategy - Financial institutions should adopt a differentiated development strategy, leveraging their unique strengths to create irreplaceable service labels, such as rural commercial banks focusing on localized services and city commercial banks providing comprehensive services for regional industrial clusters [3][4] - The financial management departments are tasked with enhancing inter-departmental collaboration, improving policy transmission efficiency, and optimizing assessment mechanisms to foster a healthy financial ecosystem [4] Group 3: Service and Method Enhancements - To promote the healthy development of the real economy, financial services must be tailored to local characteristics and market demands, ensuring a symbiotic relationship between finance and industry [5][6] - Financial services should focus on local specialty industries, developing innovative products that address specific financing challenges, such as "order loans" and "warehouse receipt pledges" for agricultural sectors [6]