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    山东省普惠金融发展综述(2020)

    摘要

    2020年,山东省金融业稳定发展,金融业增加值占GDP的比重继续攀高。山东全面落实“两项直达实体经济的货币政策工具”等国家政策,精准“滴灌”普惠小微企业,延期还本付息“应延尽延”,普惠小微贷款持续增量扩面,普惠小微贷款余额和贷款户数均比上年大幅增加。中国人民银行济南分行在全省推行企业金融辅导员制度,在疫情防控和服务经济社会发展中发挥了较好的作用,为实体经济发展注入了“金融辅导”新动能。普惠金融改革取得新突破,临沂市成为全国首个普惠金融服务乡村振兴改革试验区。山东省正处于新旧动能转换关键时期,以“四新”和“四化”为代表的产业集群再造和产业链重构,给中小企业带来前所未有的发展机会,金融服务实体经济不仅赋予普惠金融新的内涵,也使普惠金融发展具有特殊意义。

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    Abstract

    In 2020,the financial industry in Shandong Province will develop steadily,and the proportion of the added value of the financial industry in GDP will continue to rise. Shandong fully implements two national policies such as monetary policy tools that directly reach the real economy,precise drip irrigation to inclusive of small and micro enterprises,deferred debt and interest payments “should be extended as much as possible”,inclusive small and micro loans continue to increase and expand,inclusive of small and micro businesses Both the loan balance and the number of loan households increased significantly over the previous year. The Jinan Branch of the People’s Bank of China has implemented a corporate financial counselor system throughout the province,which has played a good role in epidemic prevention and control and serving economic and social development,and has injected new momentum of “financial counseling” into the development of the real economy. New breakthroughs were made in the reform of inclusive finance,and Linyi became the country’s first pilot zone for inclusive financial services for rural revitalization. Shandong Province is in a critical period of conversion of new and old kinetic energy. Industrial cluster rebuilding and industrial chain reconstruction represented by the “four news” and “four modernizations” bring unprecedented development opportunities to small and medium-sized enterprises. Financial services to the real economy not only endow inclusive benefits The new connotation of finance also makes the development of inclusive finance of special significance.

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    作者简介
    孙国茂:孙国茂,青岛大学经济学院特聘教授、博士生导师,山东省亚太资本市场研究院院长,研究领域为公司金融、资本市场、制度经济学。
    姚丽婷:姚丽婷,西北民族大学区域经济学硕士,山东省亚太资本市场研究院高级研究员,研究领域为中小企业、公司金融、上市公司。
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