金融服务实体经济的演进理路、影响因素和现实路径

The Evolutionary Logic, Influencing Factors and Practical Pathways of Financial Services for the Real Economy

摘要

金融与实体经济相互依存、相互促进，金融是实体经济运行发展的强力支撑，而实体经济则是金融业发展壮大的根基所在，与实体经济脱钩，金融业将成为无源之水、无本之木。而从金融服务实体经济的演进历程来看，相继经历了银行主导的资本供给阶段、市场主导的结构优化阶段，以及创新驱动的生态赋能阶段，各个阶段均呈现出不同的特征。基于此，本文基于金融服务实体经济的演进理路，以技术创新、市场结构、产业需求等核心影响因素为突破口，提出金融服务实体经济的现实路径，旨在为实体经济的稳步发展以及金融强国战略的有效实施提供理论借鉴与参考。

Abstract

Finance and the real economy are mutually dependent and mutually reinforcing. Finance provides strong support for the operation and development of the real economy, while the real economy forms the foundation for the growth and expansion of the financial sector. If decoupled from the real economy, the financial sector would become water without a source and a tree without roots. From the perspective of the evolution of financial services for the real economy, it has successively experienced the bank-led capital supply stage, the market-led structural optimisation stage, and the innovation-driven ecological empowerment stage, each exhibiting distinct characteristics. Based on this, this paper, drawing on the evolutionary logic of financial services for the real economy and focusing on core influencing factors such as technological innovation, market structure, and industrial demand, proposes practical paths for financial services to support the real economy, aiming to provide theoretical reference and guidance for the steady development of the real economy and the effective implementation of the strategy for a strong financial nation.

关键词

金融 / 实体经济 / 演进理路 / 影响因素 / 现实路径

Key words

Finance / Real Economy / Evolutionary Logic / Influencing Factors / Practical Paths

参考文献

[1] 周远强. 新质生产力背景下数字金融服务实体经济发展的研究[J]. 商展经济, 2025,(15): 33-36.

[2] 林鸿儒. 引导金融服务实体经济——基于融资机制创新与政策路径研究[J]. 广东经济, 2025,(13): 57-59.

[3] 梁朋, 李守晋, 贺壮. 增强金融服务实体经济能力的对策研究[J]. 中国物价, 2025,(06): 18-23.

[4] 黄卓, 胡诗云. 数字金融服务实体经济：信息的视角[J]. 保险研究, 2024,(11): 3-14.