What ways do you need for a good financial environment?

A good economic environment is the basic condition for giving full play to the functions of the financial system and realizing benign interaction and sustainable development with finance. Finance is an important part of economy and the core of modern economy. China's banking industry is the main body of the financial industry and the main channel of financing. The assets owned by the banking industry are more than six times that of the securities industry and the insurance industry, and the financing ratio accounts for more than 90% of domestic financing. Undoubtedly, the development of the banking industry is crucial to the sustainable development of the whole economy and the overall progress of society. On the other hand, the healthy development of the banking industry is inseparable from the comprehensive, sustained and coordinated development of the whole economy and society. The rapid economic growth has made the banking industry accumulate huge assets, which has been proved by the achievements of reform and opening up for more than 20 years. However, the economic transformation and the deterioration of the financial environment have also made the banking industry bear a lot of reform costs. According to the data, from 2003 to 2005, the internal management of banks accounted for more than 20% and the external financial ecological environment accounted for nearly 8 0% of the reasons for the formation of non-performing assets in China banking industry. The ratio of non-performing assets in the worst and best areas of financial ecological environment is as high as 10 times. Finance is also a booster and barometer of the economy. Under the condition of market economy, capital flow depends on financial ecology. If the financial ecology is good, more credit funds will flow here, forming a "depression effect" of capital accumulation. On the contrary, it will lead to capital outflow and weaken the competitiveness of the economy. Therefore, under the guidance of Scientific Outlook on Development, promoting harmonious and healthy economic development is the material basis for improving the financial ecological environment, giving full play to the functions of financial financing and optimizing resource allocation, and building a harmonious society.

Create an honest environment

A good social credit environment is the basis of building a good financial ecological environment. To improve the integrity awareness of the whole society and create a good social credit atmosphere requires the joint efforts of all parties, and more importantly, the public opinion department should increase publicity. Let the honor of keeping promises and the shame of breaking promises become people's knowledge. In addition to publicizing the trustworthy, the financial department can also simplify the loan procedures, implement preferential interest rates, appropriately increase the credit line, and ensure that financial services such as loans are in place in time. Enterprises or individuals who break their promises and maliciously evade bank debts should be publicly exposed and blacklisted. Banks do not lend, open accounts or settle accounts to blacklisted persons. This can encourage the faithless to take the initiative to keep promises, and after keeping promises, they can also enjoy the treatment of trustworthy people.

Establish a good legal environment to ensure

We should constantly improve various financial laws and regulations and formulate laws and regulations that can protect the legitimate rights and interests of the banking industry as soon as possible. The judicial department should administer according to law, handle cases according to law, and increase deterrence. The sanctions against the untrustworthy are more severe, which makes the untrustworthy pay a heavier price and minimizes the losses of the bank. Let unbelievers taste the pain of unbelief and become believers as soon as possible.

tighten up the management

Perfecting the corporate governance structure and promoting the establishment of a modern enterprise system is the goal of bank reform and the inherent requirement of improving the financial ecological environment. At present, the internal control mechanism of banking financial institutions in China is not perfect, the assessment mechanism is not perfect, and the system implementation is not strict. Small and medium-sized banking financial institutions have outstanding risks, insufficient financial innovation ability, insufficient support for the development of local small enterprises, and weak rural financial services, which seriously restrict the core role of banking economy. Therefore, we must speed up the market-oriented reform of the banking industry itself, establish a scientific and perfect corporate governance structure, clarify the property rights relationship, and build an effective internal control mechanism to make banks truly become independent market players; Carry out the concept of operating according to law, operate legally and prudently, and make banks the vanguard and beneficiaries of implementing national industrial policies and credit policies; Actively carry out financial innovation, rationally reform banking financial institutions, and promote credit support for small and medium-sized enterprises and the three rural economies; Make good use of relevant policies, especially the preferential policies of the state to support the transformation of the old industrial bases in Northeast China, actively strive for the support of local governments and revitalize non-performing assets.