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党的十四大确立了我国经济体制改革的目标是建立社会主义市场经济,这一理论和实践的重大突破,有力地加快了金融体制改革步伐。金融体制的改革,将进一步完善社会主义市场经济结构,有利于促进地方经济、金融的发展。同时,也对地方的发展建设提出了新的挑战和机遇。因此,认清金融体制改革的目标是适应社会主义市场经济要求的必然选择。而面对挑战,怎样抓住机遇加快地方经济建设的全面发展,是客观实际的紧迫要求。一、金融体制改革为地方经济发展带来了机遇金融是国家调节经济的重要杠杆之一,经济决定金融,金融反作用于经济,没有经济的发展,就不可能有金融业的壮大,没有金融的支持,经济就难以运转和发展。因此,金融体制改革对经济、金融的发展具有十分重要的意义。地方经济是区域经济,在特定时间、特定产业方面受宏观经济的限制。应该看到,金融体制改革对地方经济的发展和建设带来许多有利条件。(一)金融体制改革以后,以直接控制为主的指令性管理体制将被以间接调控手段为主的宏观调控模式所取代。现阶段由于我国的专业银行正逐步向商业银行转轨,完全实行商业银行资产负债比例管理的硬指标体系尚未建立,因此,对国有商业银行的信贷资金管理,目前实行限额下的资产负债比例管理,今后将逐步实行资产负债比例管理,不再受规模指标的限制,这对地方经济发展的资金需求量的增加和投入有积极的作用。
The 14th National Congress of the Communist Party of China established the goal of China’s economic structural reform to establish a socialist market economy. This breakthrough in theory and practice has effectively accelerated the pace of financial system reform. The reform of the financial system will further improve the socialist market economic structure and promote the development of local economy and finance. At the same time, it also poses new challenges and opportunities for the development and construction of localities. Therefore, recognizing the goal of financial system reform is the inevitable choice to meet the requirements of the socialist market economy. In the face of challenges, how to seize the opportunity to speed up the all-round development of the local economic construction is an urgent objective and objective urgency. First, the financial system reform has brought opportunities for the development of local economy Finance is one of the important levers for economic regulation in the country. When the economy decides that finance and finance react to the economy, and there is no economic development, it is impossible for the financial industry to grow up and there is no financial Support, the economy will be difficult to operate and develop. Therefore, the reform of the financial system is of great significance to the economic and financial development. Local economy is the regional economy, at a particular time, specific industries by the macroeconomic constraints. It should be noted that the reform of the financial system has brought many favorable conditions for the development and construction of the local economy. (I) After the reform of the financial system, the mandatory management system based on direct control will be replaced by the macro-control mode that is mainly based on indirect control measures. At this stage, due to the gradual transition of China’s commercial banks to commercial banks, the hard index system for fully implementing the ratio management of commercial banks has not yet been established. Therefore, the management of the loan funds of state-owned commercial banks is currently under the management of asset- The gradual implementation of the asset-liability ratio management will no longer be limited by the size of the index. This will have a positive effect on the increase in and demand for funds for local economic development.