內容摘要：三方(fang)面：市場與政(zheng)府(fu)主導相結(jie)合(he)模(mo)式提升重慶產業集(ji)(ji)聚；構建地(di)方(fang)金(jin)融控(kong)股(gu)集(ji)(ji)團模(mo)式助(zhu)力長江上游金(jin)融中心的建設；城鄉(xiang)統(tong)籌(chou)金(jin)融模(mo)式。

    重慶金融的發展(zhan)應(ying)考慮到自(zi)(zi)身(shen)的現實條件，立(li)足本土，利用自(zi)(zi)身(shen)的特色和優勢，謀求差異化、特色化的發展(zhan)模式。主要(yao)有以(yi)下三方面：

    (一)市場與政府主導相(xiang)結合模式(shi)提升重慶(qing)金融產業集(ji)聚

    政府(fu)主(zhu)導(dao)(dao)模(mo)式將是重(zhong)(zhong)慶金(jin)(jin)融(rong)(rong)(rong)(rong)發(fa)展(zhan)、長(chang)江上游金(jin)(jin)融(rong)(rong)(rong)(rong)中心建設初(chu)期的(de)(de)(de)(de)必然選擇(ze)。根據經濟(ji)結構(gou)的(de)(de)(de)(de)發(fa)展(zhan)狀況(kuang)，在合適的(de)(de)(de)(de)時間點(dian)上，金(jin)(jin)融(rong)(rong)(rong)(rong)發(fa)展(zhan)模(mo)式將向市(shi)場(chang)(chang)主(zhu)導(dao)(dao)型(xing)發(fa)展(zhan)，政府(fu)逐漸放松金(jin)(jin)融(rong)(rong)(rong)(rong)政策等的(de)(de)(de)(de)管制。同時，金(jin)(jin)融(rong)(rong)(rong)(rong)產業集(ji)聚(ju)是重(zhong)(zhong)慶提升(sheng)金(jin)(jin)融(rong)(rong)(rong)(rong)競爭力的(de)(de)(de)(de)重(zhong)(zhong)要(yao)動力，金(jin)(jin)融(rong)(rong)(rong)(rong)集(ji)聚(ju)一旦(dan)形(xing)成，將以區(qu)域(yu)金(jin)(jin)融(rong)(rong)(rong)(rong)為(wei)中心、中央金(jin)(jin)融(rong)(rong)(rong)(rong)商務區(qu)為(wei)空(kong)間載體、以重(zhong)(zhong)慶各區(qu)域(yu)金(jin)(jin)融(rong)(rong)(rong)(rong)為(wei)支點(dian)，通過金(jin)(jin)融(rong)(rong)(rong)(rong)資源整合實現區(qu)域(yu)資源優化，并(bing)促進區(qu)域(yu)貿易、投資的(de)(de)(de)(de)增長(chang)和產業集(ji)聚(ju)的(de)(de)(de)(de)擴張(zhang)，最終得以促進區(qu)域(yu)經濟(ji)和金(jin)(jin)融(rong)(rong)(rong)(rong)的(de)(de)(de)(de)發(fa)展(zhan)。現階(jie)段重(zhong)(zhong)慶金(jin)(jin)融(rong)(rong)(rong)(rong)產業集(ji)聚(ju)的(de)(de)(de)(de)發(fa)展(zhan)，已經不(bu)能簡單地僅依靠市(shi)場(chang)(chang)或(huo)政府(fu)的(de)(de)(de)(de)主(zhu)導(dao)(dao)力量(liang)，需要(yao)有效的(de)(de)(de)(de)政府(fu)行為(wei)和市(shi)場(chang)(chang)機制相互作用，促進金(jin)(jin)融(rong)(rong)(rong)(rong)集(ji)聚(ju)的(de)(de)(de)(de)發(fa)展(zhan)。

    (二)構建地方金融(rong)控股集團模(mo)式(shi)助力(li)長(chang)江上(shang)游(you)金融(rong)中心的建設(she)

    2008年我國(guo)《金(jin)(jin)(jin)(jin)融(rong)(rong)業發展和改革“十一五(wu)”規劃(hua)》明確(que)提出，鼓(gu)勵金(jin)(jin)(jin)(jin)融(rong)(rong)機(ji)(ji)構通過設立金(jin)(jin)(jin)(jin)融(rong)(rong)控股公司、交(jiao)叉銷售、相(xiang)互代(dai)理等多種形式，促進資金(jin)(jin)(jin)(jin)在不同(tong)金(jin)(jin)(jin)(jin)融(rong)(rong)市場間的(de)(de)有序流動，提高(gao)金(jin)(jin)(jin)(jin)融(rong)(rong)市場配置資源的(de)(de)整體(ti)效率。重慶(qing)已成(cheng)為(wei)西(xi)部法人金(jin)(jin)(jin)(jin)融(rong)(rong)機(ji)(ji)構最(zui)(zui)為(wei)齊全(quan)、數量最(zui)(zui)多的(de)(de)省市，近(jin)年來渝(yu)富、城投、地(di)(di)產、交(jiao)旅、機(ji)(ji)電(dian)控股等多家國(guo)有集團(tuan)先后介入(ru)金(jin)(jin)(jin)(jin)融(rong)(rong)領域，重慶(qing)已具備組(zu)建金(jin)(jin)(jin)(jin)融(rong)(rong)控股集團(tuan)的(de)(de)條件。重慶(qing)目(mu)前已有8家地(di)(di)方金(jin)(jin)(jin)(jin)融(rong)(rong)機(ji)(ji)構(重慶(qing)農商行、重慶(qing)銀行、重慶(qing)信托、三峽擔(dan)保(bao)、安誠(cheng)保(bao)險、大東方保(bao)險、西(xi)南證(zheng)券、三峽銀行)，地(di)(di)方金(jin)(jin)(jin)(jin)融(rong)(rong)體(ti)系已初步形成(cheng)。

    近期可(ke)借鑒國內外成(cheng)熟(shu)的金(jin)融(rong)(rong)控(kong)(kong)股集團(tuan)組建(jian)(jian)模式，從維護重(zhong)慶(qing)市地(di)(di)方(fang)金(jin)融(rong)(rong)業(ye)(ye)安全和(he)穩(wen)定的角度出(chu)發，夯實現有戰(zhan)略業(ye)(ye)務(wu)單元(商業(ye)(ye)銀(yin)行(xing)、保(bao)險、證券、信托等(deng)(deng))，初步組建(jian)(jian)重(zhong)慶(qing)地(di)(di)方(fang)金(jin)融(rong)(rong)控(kong)(kong)股集團(tuan)，初步搭建(jian)(jian)產(chan)業(ye)(ye)投資(zi)基(ji)金(jin)、地(di)(di)方(fang)法人(ren)保(bao)險等(deng)(deng)業(ye)(ye)務(wu)平臺，參與重(zhong)慶(qing)市地(di)(di)方(fang)商業(ye)(ye)銀(yin)行(xing)重(zhong)組。遠期可(ke)發展成(cheng)為控(kong)(kong)制(zhi)重(zhong)慶(qing)市地(di)(di)方(fang)金(jin)融(rong)(rong)行(xing)業(ye)(ye)的主導型金(jin)融(rong)(rong)航(hang)母，旗(qi)下擁有信托公(gong)(gong)司(si)、證券公(gong)(gong)司(si)、商業(ye)(ye)銀(yin)行(xing)、產(chan)業(ye)(ye)投資(zi)基(ji)金(jin)、地(di)(di)方(fang)法人(ren)保(bao)險公(gong)(gong)司(si)等(deng)(deng)門類齊全、風控(kong)(kong)嚴密、治理完善、效益顯著的金(jin)融(rong)(rong)控(kong)(kong)股集團(tuan)，為重(zhong)慶(qing)經濟發展提供(gong)一攬子金(jin)融(rong)(rong)產(chan)品(pin)和(he)服(fu)務(wu)。

    (三)城鄉統(tong)籌金融模式

    重(zhong)慶(qing)當(dang)前改革的(de)重(zhong)點是城(cheng)鄉統籌(chou)發展，打(da)破城(cheng)鄉間制(zhi)度藩籬(li)，建(jian)立健全城(cheng)鄉統一的(de)基本公共(gong)服務(wu)體(ti)系，健全城(cheng)鄉統籌(chou)的(de)社會保障(zhang)制(zhi)度。因此，重(zhong)慶(qing)的(de)金融(rong)(rong)發展應重(zhong)點關(guan)懷農(nong)村金融(rong)(rong)的(de)發展。

    可考慮從幾方面推進：創新農(nong)村(cun)(cun)(cun)金(jin)融服務可持(chi)續發(fa)展機制(zhi)，提(ti)高(gao)金(jin)融機構支持(chi)城(cheng)鄉一體化(hua)發(fa)展的積極性，引(yin)導(dao)(dao)金(jin)融機構將優勢資(zi)源向農(nong)村(cun)(cun)(cun)配置，鼓勵(li)農(nong)村(cun)(cun)(cun)金(jin)融產(chan)品創新，因為(wei)城(cheng)市邊緣(yuan)地(di)區和農(nong)村(cun)(cun)(cun)地(di)區主要以中小企(qi)業為(wei)主，需要為(wei)其提(ti)供(gong)快速、安全的綠色融資(zi)通道，特別是擴大直接融資(zi)平臺，降低這(zhe)些企(qi)業的融資(zi)成本；政府加大對農(nong)村(cun)(cun)(cun)經濟建設資(zi)金(jin)投(tou)入(ru)，成立專(zhuan)項基(ji)金(jin)扶持(chi)農(nong)村(cun)(cun)(cun)城(cheng)鎮化(hua)進程(cheng)；創造性地(di)引(yin)導(dao)(dao)社會資(zi)金(jin)進入(ru)支農(nong)領(ling)域，激(ji)勵(li)并引(yin)導(dao)(dao)民間(jian)借(jie)貸的發(fa)展；加強農(nong)村(cun)(cun)(cun)金(jin)融監(jian)管(guan)，著力建立風險為(wei)本的監(jian)管(guan)制(zhi)度，促進農(nong)村(cun)(cun)(cun)金(jin)融機構穩健經營和可持(chi)續發(fa)展。