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我国正在处于市场经济转轨时期,民营经济地位提升,争取到了更多的建设制度空间,并且逐步分享金融深化所为民营经济带来的金融便利的同时,也对现有体系状况提出更多的需求。在宏观金融政策走向市场化的背景下,金融政策制度也在随之变迁。民营经济也在此基础上凸显了对金融服务的差异性特征的需求。笔者会在文章中对民营经济金融服务需求差异性的形成原理,以及差异性存在的实践过程进行理论、实证分析,认为需求差异形成的因素有三个;外部因素,约束因素,需求偏好。在此基础上提出需求差异的形成是金融服务需求差异的本质的判断。最后会对如何改善民营经济差异化需求的供给给出合理化建议,提出建立风险分级金融服务体系等。
While China is in the transitional period of market economy, the status of private economy is rising and more institutional space for construction is gaining ground, and financial intermediation brought by the financial deepening for the private economy is gradually being shared, while more demands are also placed on the current state of the economy . In the context of the macro-financial policy marketization, the financial policy system is also changing. On the basis of this, the private economy also highlighted the need for the differentiated nature of financial services. In the article, I will make theoretical and empirical analysis on the forming principle of the difference of demand for private economy and financial services and the practice process of the difference, and think there are three factors that form the difference of demand; external factors, constraints and demand preferences. On this basis, it is proposed that the formation of demand difference is the essential judgment of the difference of financial service demand. Finally, it will give reasonable suggestions on how to improve the supply of differentiated private economy and put forward the establishment of a risk-based financial service system.