##金融服务实体经济质效进一步提升，助力高质量发展
**央视新闻客户端消息（新闻联播）**：国务院新闻办公室今天（8月21日）举行推动高质量发展系列主题新闻发布会。金融监管总局介绍银行业保险业推动经济高质量发展取得的新成效。
金融监管总局有关负责人介绍，当前，我国已形成多层次、广覆盖、差异化的金融机构体系，银行业资产规模居全球第一，保险市场规模全球第二。今年以来，金融支持实体经济的资金总量稳中有增，结构更加优化。7月末，人民币贷款余额251万亿元，较年初增加13.5万亿元。其中，制造业贷款、高技术产业贷款、数字经济核心产业贷款、普惠型小微企业贷款，都明显高于各项贷款平均增速。
有力推动经济高质量发展的同时，银行业保险业今年以来发展稳中向好，风险可控，主要经营指标和监管指标都处于健康合理区间。
金融监管总局表示，下一步还将加快构建同科技创新相适应的科技金融体制，推动“科技—产业—金融”良性循环。同时，加强对绿色低碳循环经济重点领域支持力度，推动普惠金融、养老金融、数字金融发展，更好地支持经济社会发展。
**专家解读**：
此次发布会传递出积极信号，表明我国金融服务实体经济取得显著成效，金融体系在支持经济高质量发展方面发挥着越来越重要的作用。
**中国人民大学金融学院教授刘守英**指出，金融机构在服务实体经济方面取得了积极进展，但在一些领域仍需进一步提升。例如，中小微企业融资难、融资贵问题依然存在，金融服务乡村振兴、绿色发展等领域还需要加强。
**中国银行研究院研究员王蒙**表示，未来金融机构要进一步提升服务实体经济的效率和质量，需要加强金融科技应用，创新金融产品和服务，提升风险管理能力，更好地满足实体经济多样化、个性化的金融需求。
**展望未来**：
随着金融服务实体经济质效的不断提升，将为推动经济高质量发展注入新的活力。金融机构将继续发挥自身优势，积极服务国家战略，助力经济社会发展迈上新台阶。
英语如下：
##Financial Services Boost High-Quality Development with Improved Efficiency in Supporting the Real Economy
**Keywords:** Financial services, high-quality development, real economy
**Content:**
**[CCTV News Client (News Broadcast)]** The State Council Information Office held a series of thematic press conferences on promoting high-quality development today(August 21). The China Banking and Insurance Regulatory Commission (CBIRC) introduced the new achievements of the banking and insurance industry in promoting high-qualityeconomic development.
A CBIRC official said that China has formed a multi-tiered, wide-coverage, and differentiated financial institution system, with the banking industry’s asset scale ranking first in the world and the insurance market scale rankingsecond globally. Since the beginning of this year, the total amount of funds supporting the real economy has been steadily increasing, with a more optimized structure. As of the end of July, the outstanding balance of RMB loans reached 25.1 trillion yuan, an increase of 13.5 trillion yuan from the beginning of the year. Among them, loans to manufacturing, high-tech industries, core industries of the digital economy, and inclusive small and micro enterprises have all grown significantly faster than the average growth rate of all loans.
While effectively promotinghigh-quality economic development, the banking and insurance industry has maintained steady and positive growth this year, with controllable risks. Key operating and regulatory indicators are within a healthy and reasonable range.
The CBIRC stated that it will further accelerate the construction of a science and technology financial system that adapts to technological innovation, promoting avirtuous cycle of “technology-industry-finance.” At the same time, it will strengthen support for key areas of the green, low-carbon, and circular economy, promote inclusive finance, pension finance, and digital finance, and better support economic and social development.
**Expert Commentary:**
This press conference sends apositive signal, indicating that China’s financial services to the real economy have achieved significant results, and the financial system is playing an increasingly important role in supporting high-quality economic development.
**Liu Shouying, Professor at the School of Finance, Renmin University of China,** pointed out that financial institutions have made positiveprogress in serving the real economy, but further improvements are needed in some areas. For example, the problem of financing difficulties and high financing costs for small and micro enterprises still exists, and financial services for rural revitalization and green development need to be strengthened.
**Wang Meng, Researcher at the China Bank Institute,** saidthat in the future, financial institutions need to further improve the efficiency and quality of their services to the real economy, strengthen the application of financial technology, innovate financial products and services, enhance risk management capabilities, and better meet the diversified and personalized financial needs of the real economy.
**Looking Ahead:**
As financial servicesto the real economy continue to improve in efficiency and quality, they will inject new vitality into promoting high-quality economic development. Financial institutions will continue to leverage their strengths, actively serve national strategies, and contribute to the new stage of economic and social development.
【来源】http://www.chinanews.com/cj/2024/08-22/10272775.shtml
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