中(zhong)證(zheng)網訊（記者 彭揚）央行網站(zhan)8月18日發(fa)布中(zhong)國人民銀行副行長劉桂平題為《關于(yu)中(zhong)國普(pu)惠(hui)金融發(fa)展(zhan)的幾個問題》的署名文章。文章指出(chu)，展(zhan)望(wang)未來，要科學把握新(xin)發(fa)展(zhan)階段，始終堅持(chi)“以人民為中(zhong)心”的發(fa)展(zhan)思想(xiang)，深入貫徹新(xin)發(fa)展(zhan)理念，乘勢而上(shang)開創普(pu)惠(hui)金融新(xin)發(fa)展(zhan)格局(ju)。

　　在長效(xiao)機(ji)制(zhi)(zhi)方(fang)(fang)面(mian)，文(wen)章提出(chu)，深(shen)化金(jin)(jin)(jin)融(rong)(rong)改革，構建(jian)普(pu)惠(hui)金(jin)(jin)(jin)融(rong)(rong)成(cheng)本可負擔(dan)、商業(ye)可持(chi)續(xu)的(de)(de)長效(xiao)機(ji)制(zhi)(zhi)。以深(shen)化金(jin)(jin)(jin)融(rong)(rong)供給(gei)側結(jie)構性(xing)改革為主線，充(chong)分(fen)發(fa)揮市(shi)場(chang)在金(jin)(jin)(jin)融(rong)(rong)資(zi)源(yuan)配置中(zhong)(zhong)的(de)(de)決定性(xing)作(zuo)用(yong)，激發(fa)普(pu)惠(hui)金(jin)(jin)(jin)融(rong)(rong)相(xiang)關(guan)市(shi)場(chang)主體(ti)的(de)(de)積極(ji)性(xing)、主動(dong)(dong)性(xing)、創造性(xing)，健(jian)全多(duo)層次(ci)普(pu)惠(hui)金(jin)(jin)(jin)融(rong)(rong)組(zu)織體(ti)系，構建(jian)競爭有(you)序的(de)(de)普(pu)惠(hui)金(jin)(jin)(jin)融(rong)(rong)供給(gei)格(ge)局。發(fa)揮大(da)型銀(yin)行、股份制(zhi)(zhi)銀(yin)行帶頭作(zuo)用(yong)，推動(dong)(dong)地方(fang)(fang)法人銀(yin)行堅持(chi)服務(wu)當地、服務(wu)小微企業(ye)、服務(wu)城鄉居民，找(zhao)準開發(fa)性(xing)銀(yin)行、政(zheng)策(ce)性(xing)銀(yin)行在普(pu)惠(hui)金(jin)(jin)(jin)融(rong)(rong)中(zhong)(zhong)的(de)(de)定位(wei)。發(fa)揮保險的(de)(de)風(feng)險分(fen)擔(dan)作(zuo)用(yong)，構筑保險民生保障(zhang)網。增強(qiang)資(zi)本市(shi)場(chang)包容(rong)性(xing)，擴大(da)直(zhi)接融(rong)(rong)資(zi)在普(pu)惠(hui)金(jin)(jin)(jin)融(rong)(rong)中(zhong)(zhong)的(de)(de)比重。同時，要對市(shi)場(chang)失(shi)靈領域加大(da)政(zheng)策(ce)、資(zi)源(yuan)傾斜力度，加強(qiang)法律(lv)制(zhi)(zhi)度保障(zhang)，完(wan)善基礎設(she)施建(jian)設(she)，加大(da)基層治(zhi)理投入(ru)，進(jin)一步健(jian)全“敢做愿(yuan)做能做會做”的(de)(de)體(ti)制(zhi)(zhi)機(ji)制(zhi)(zhi)。

　　文章表示，謀劃(hua)金融(rong)(rong)健康(kang)，提升(sheng)普(pu)(pu)惠(hui)(hui)(hui)金融(rong)(rong)發展(zhan)(zhan)能(neng)(neng)級(ji)。為推進普(pu)(pu)惠(hui)(hui)(hui)金融(rong)(rong)更高(gao)質量地發展(zhan)(zhan)，需要從過去關注“有(you)沒有(you)”上升(sheng)到當前的(de)“好不(bu)好”直至未來的(de)“強不(bu)強”，一個理想的(de)目標就是(shi)促使普(pu)(pu)惠(hui)(hui)(hui)群體達(da)到并保(bao)持一種金融(rong)(rong)健康(kang)的(de)狀態(tai)。在這(zhe)種狀態(tai)下，普(pu)(pu)惠(hui)(hui)(hui)群體通過正確運(yun)用金融(rong)(rong)知識，科(ke)學使用金融(rong)(rong)工具，合理采取金融(rong)(rong)行為來達(da)到良(liang)好的(de)財(cai)務(wu)狀態(tai)，能(neng)(neng)夠有(you)效管理自身(shen)日常金融(rong)(rong)活動(dong)；對(dui)大(da)額支出(chu)有(you)提前計(ji)劃(hua)，收入總體可覆蓋支出(chu)；保(bao)持良(liang)好的(de)信用記錄(lu)，負債(zhai)在可承受范圍(wei)內；擁(yong)有(you)適合自身(shen)的(de)儲蓄和保(bao)險，面對(dui)意外財(cai)務(wu)沖擊時有(you)一定韌性(xing)；享有(you)正規投資渠道，風險與承受能(neng)(neng)力(li)相匹(pi)配，資產具有(you)足夠的(de)流動(dong)性(xing)和安全性(xing)，在財(cai)務(wu)上形成良(liang)性(xing)循環。金融(rong)(rong)健康(kang)是(shi)普(pu)(pu)惠(hui)(hui)(hui)金融(rong)(rong)發展(zhan)(zhan)的(de)高(gao)級(ji)形態(tai)，應在鄉(xiang)村振興和共(gong)同富裕中抓緊構建。

　　此外(wai)，文章(zhang)強調，注(zhu)重(zhong)安全發(fa)(fa)展(zhan)，厚植負責(ze)任(ren)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)理念。要(yao)牢固樹立底線思維，把握好推(tui)進普(pu)惠金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)發(fa)(fa)展(zhan)和(he)防范金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)風(feng)險(xian)(xian)的動(dong)態平衡，審慎(shen)監管(guan)(guan)(guan)(guan)和(he)行為監管(guan)(guan)(guan)(guan)雙管(guan)(guan)(guan)(guan)齊下(xia)，有(you)效遏制(zhi)風(feng)險(xian)(xian)亂(luan)象，堅決守住不發(fa)(fa)生系統性(xing)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)風(feng)險(xian)(xian)的底線。普(pu)惠群體(ti)(ti)具有(you)相對脆(cui)弱性(xing)和(he)敏感性(xing)，貫徹(che)負責(ze)任(ren)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)理念對普(pu)惠金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)尤為重(zhong)要(yao)。負責(ze)任(ren)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)的核心是“三(san)主體(ti)(ti)”和(he)“三(san)支柱”。要(yao)讓金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機構、金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)監管(guan)(guan)(guan)(guan)者(zhe)(zhe)和(he)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)消費(fei)者(zhe)(zhe)“三(san)主體(ti)(ti)”擔負起各自的責(ze)任(ren)，共(gong)同(tong)打(da)造好金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)教育、金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機構自律管(guan)(guan)(guan)(guan)理和(he)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)消費(fei)者(zhe)(zhe)保護(hu)(hu)監管(guan)(guan)(guan)(guan)“三(san)支柱”，幫助廣大人民(min)群眾(zhong)更好地(di)學(xue)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)、用(yong)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)、信(xin)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)，切實保護(hu)(hu)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)消費(fei)者(zhe)(zhe)長遠利益(yi)和(he)根(gen)本利益(yi)。