習近平總書記在省部級主要領導干部推動金融高質量發展專題研討班開班式上指出：“推動金融高質量發展、建設金融強國，要堅持法治和德治相結合，積極培育中國特色金融文化，做到：誠實守信，不逾越底線；以義取利，不唯利是圖；穩健審慎，不急功近利；守正創新，不脫實向虛；依法合規，不胡作非為。”這為新時代新征程推動金融高質量發展、培育中國特色金融文化提供了根本遵循和行動指南，是習近平經濟思想的重要組成部分。
01認識(shi)培育金融文化(hua)的(de)重要(yao)性
文(wen)(wen)(wen)化(hua)是(shi)一個(ge)(ge)(ge)國(guo)家、一個(ge)(ge)(ge)民族的(de)靈魂。習近平總書記指出(chu)，在(zai)五千多(duo)年中(zhong)華(hua)文(wen)(wen)(wen)明(ming)深厚(hou)基礎上開(kai)辟和發展(zhan)中(zhong)國(guo)特色社(she)會主義(yi)(yi)，把馬克思主義(yi)(yi)基本原理同(tong)(tong)中(zhong)國(guo)具(ju)體實(shi)際、同(tong)(tong)中(zhong)華(hua)優秀傳統文(wen)(wen)(wen)化(hua)相結合是(shi)必由之路。“第(di)二個(ge)(ge)(ge)結合”是(shi)又(you)一次的(de)思想解放，讓(rang)我們能(neng)夠在(zai)更廣(guang)闊的(de)文(wen)(wen)(wen)化(hua)空間中(zhong)，充分運用中(zhong)華(hua)優秀傳統文(wen)(wen)(wen)化(hua)的(de)寶(bao)貴資源，探索面(mian)向(xiang)未來的(de)理論和制度創新。這也為培育中(zhong)國(guo)特色金融文(wen)(wen)(wen)化(hua)指明(ming)了方(fang)向(xiang)。
金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)文(wen)(wen)化(hua)(hua)的(de)(de)(de)(de)(de)核心(xin)內容是關于金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)信念、價(jia)值(zhi)(zhi)(zhi)觀(guan)和行為(wei)規(gui)范(fan)。其中，信念引導(dao)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)政(zheng)策、金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)制度和金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)監管規(gui)則的(de)(de)(de)(de)(de)制定，指導(dao)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機構確(que)立職(zhi)責(ze)使命、戰(zhan)略目標和實施路(lu)徑，指導(dao)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)從業(ye)人(ren)員明(ming)確(que)職(zhi)業(ye)定位和行為(wei)操守；價(jia)值(zhi)(zhi)(zhi)觀(guan)涉及(ji)人(ren)們在金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)活動中對是非、對錯、好壞、優劣等(deng)的(de)(de)(de)(de)(de)基本認識和判斷標準(zhun)(zhun)；行為(wei)規(gui)范(fan)是金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)活動參與(yu)者普遍接(jie)受的(de)(de)(de)(de)(de)具有一(yi)般約(yue)束(shu)力的(de)(de)(de)(de)(de)行為(wei)標準(zhun)(zhun)，是金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)的(de)(de)(de)(de)(de)信念與(yu)價(jia)值(zhi)(zhi)(zhi)觀(guan)的(de)(de)(de)(de)(de)具體化(hua)(hua)。馬克思主義和中華(hua)優秀傳統文(wen)(wen)化(hua)(hua)存在高度的(de)(de)(de)(de)(de)契(qi)合性，這為(wei)培(pei)育中國特色金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)文(wen)(wen)化(hua)(hua)、提升中國金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)(rong)軟實力打開了更為(wei)廣闊的(de)(de)(de)(de)(de)空間。
金(jin)(jin)融(rong)文(wen)化深刻蘊含著當前和(he)(he)長遠(yuan)、局(ju)部和(he)(he)全局(ju)、發展(zhan)和(he)(he)安全、特(te)殊和(he)(he)一(yi)般(ban)的(de)(de)辯證關系(xi)，具有引導、激勵、約束、創新(xin)等(deng)作用(yong)，影響金(jin)(jin)融(rong)從業(ye)者的(de)(de)價值追求、思(si)維方式、行為模式等(deng)。中國自古(gu)以來(lai)就形成了豐富、優秀的(de)(de)金(jin)(jin)融(rong)思(si)想和(he)(he)文(wen)化傳統，“農工商交易(yi)之路(lu)通，而龜貝金(jin)(jin)錢刀布之幣興(xing)焉(yan)”“居(ju)安思(si)危，思(si)則有備，有備無(wu)患”等(deng)理(li)念都與現代金(jin)(jin)融(rong)治(zhi)理(li)高度契合。必(bi)須充分運用(yong)中華優秀傳統文(wen)化的(de)(de)寶貴資源，有效推動其在(zai)金(jin)(jin)融(rong)領域的(de)(de)創造性(xing)轉化、創新(xin)性(xing)發展(zhan)。
習近平總書(shu)記關(guan)于金融文化的重(zhong)要論述，把馬(ma)克(ke)思主(zhu)義金融理(li)論同當代中國(guo)具體實(shi)際相結(jie)合、同中華優秀傳統文化相結(jie)合，是馬(ma)克(ke)思主(zhu)義政治經濟(ji)學(xue)關(guan)于金融問題的重(zhong)要創新(xin)成(cheng)果(guo)，開拓了中國(guo)特色社會主(zhu)義政治經濟(ji)學(xue)關(guan)于金融理(li)論的新(xin)境界(jie)，具有(you)十分重(zhong)大(da)的理(li)論意(yi)義和現實(shi)意(yi)義。
長期以來，我(wo)們對(dui)金(jin)融(rong)(rong)文化(hua)研(yan)究(jiu)不(bu)夠透，對(dui)金(jin)融(rong)(rong)文化(hua)的(de)(de)內涵、定位、作用與價值理解(jie)不(bu)夠深，對(dui)推進金(jin)融(rong)(rong)文化(hua)建設(she)的(de)(de)重要性緊迫性重視(shi)不(bu)足，沒(mei)有(you)(you)很好(hao)地把金(jin)融(rong)(rong)文化(hua)建設(she)與金(jin)融(rong)(rong)業(ye)發(fa)展有(you)(you)機結合(he)起(qi)來。金(jin)融(rong)(rong)文化(hua)建設(she)相(xiang)對(dui)滯(zhi)(zhi)后，不(bu)適應金(jin)融(rong)(rong)高質(zhi)量發(fa)展、建設(she)金(jin)融(rong)(rong)強國(guo)的(de)(de)現實需要。我(wo)國(guo)金(jin)融(rong)(rong)領域存在的(de)(de)一些矛盾和(he)(he)問題，如(ru)風險隱患仍然較多、金(jin)融(rong)(rong)服務(wu)實體經(jing)濟的(de)(de)質(zhi)效不(bu)高、金(jin)融(rong)(rong)亂象和(he)(he)腐敗問題屢禁不(bu)止、金(jin)融(rong)(rong)監管(guan)和(he)(he)治(zhi)理能力薄弱等，都與我(wo)國(guo)金(jin)融(rong)(rong)文化(hua)建設(she)滯(zhi)(zhi)后密(mi)切相(xiang)關。
新時代新征(zheng)程，金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)文(wen)化(hua)(hua)已成為推(tui)(tui)進金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)創新的(de)(de)動(dong)力源泉、提(ti)升金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)競(jing)爭力的(de)(de)關鍵因素、金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)穩健運行和(he)健康發展的(de)(de)重(zhong)要(yao)支撐(cheng)。推(tui)(tui)動(dong)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)高(gao)質(zhi)量(liang)發展，金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)文(wen)化(hua)(hua)具有不(bu)可(ke)替代的(de)(de)地(di)位和(he)作(zuo)用。積極培育中(zhong)國(guo)特色(se)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)文(wen)化(hua)(hua)，是提(ti)高(gao)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服務實體經濟質(zhi)效、有效防(fang)范(fan)化(hua)(hua)解金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)風險、提(ti)高(gao)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)國(guo)際競(jing)爭力、提(ti)升金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)軟(ruan)實力的(de)(de)必(bi)然(ran)要(yao)求，更是推(tui)(tui)動(dong)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)高(gao)質(zhi)量(liang)發展，建(jian)設擁有強大(da)的(de)(de)貨幣、強大(da)的(de)(de)中(zhong)央銀行、強大(da)的(de)(de)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構、強大(da)的(de)(de)國(guo)際金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)中(zhong)心、強大(da)的(de)(de)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)監(jian)管、強大(da)的(de)(de)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)人才(cai)隊伍的(de)(de)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)強國(guo)的(de)(de)必(bi)然(ran)要(yao)求。必(bi)須(xu)充分認(ren)識金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)文(wen)化(hua)(hua)的(de)(de)重(zhong)要(yao)性，積極培育中(zhong)國(guo)特色(se)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)文(wen)化(hua)(hua)。
02誠(cheng)實守信，不逾越底線
金(jin)(jin)(jin)融(rong)(rong)的(de)本(ben)質(zhi)是中介(jie)，通過多(duo)種(zhong)方(fang)(fang)式將儲蓄轉化為投(tou)資(zi)，實現資(zi)金(jin)(jin)(jin)跨時間跨空間的(de)高效(xiao)配置。長期(qi)以來，無論金(jin)(jin)(jin)融(rong)(rong)活動的(de)組(zu)織形式、運行機制(zhi)、流(liu)程規范等如何演進，其(qi)本(ben)質(zhi)并沒有改(gai)變，都在(zai)于聯(lian)結(jie)資(zi)金(jin)(jin)(jin)的(de)供(gong)給方(fang)(fang)和需求方(fang)(fang)。判定(ding)金(jin)(jin)(jin)融(rong)(rong)活動是否高效(xiao)的(de)一個直觀標準(zhun)，是供(gong)需之間的(de)金(jin)(jin)(jin)融(rong)(rong)中介(jie)成(cheng)(cheng)本(ben)是否降低(di)。提升金(jin)(jin)(jin)融(rong)(rong)體(ti)系(xi)效(xiao)率(lv)、降低(di)金(jin)(jin)(jin)融(rong)(rong)中介(jie)成(cheng)(cheng)本(ben)，關鍵(jian)在(zai)于降低(di)資(zi)金(jin)(jin)(jin)供(gong)需雙(shuang)方(fang)(fang)建立信任(ren)的(de)成(cheng)(cheng)本(ben)。
誠(cheng)(cheng)(cheng)實(shi)(shi)守信(xin)是(shi)中(zhong)華優秀傳(chuan)(chuan)統(tong)文化的(de)重要(yao)內容。《左傳(chuan)(chuan)》有載(zai)，“信(xin)，國之(zhi)寶也(ye)(ye)，民之(zhi)所(suo)庇(bi)也(ye)(ye)”。孟子(zi)強(qiang)調(diao)“誠(cheng)(cheng)(cheng)者，天(tian)之(zhi)道也(ye)(ye)；思誠(cheng)(cheng)(cheng)者，人之(zhi)道也(ye)(ye)”。商鞅“立木為信(xin)”、季(ji)布(bu)“一諾(nuo)千金(jin)(jin)(jin)(jin)”等成語(yu)典(dian)故都在強(qiang)調(diao)誠(cheng)(cheng)(cheng)信(xin)的(de)重要(yao)性(xing)。具體到金(jin)(jin)(jin)(jin)融(rong)實(shi)(shi)踐中(zhong)，大力弘揚(yang)誠(cheng)(cheng)(cheng)實(shi)(shi)守信(xin)文化，倡導不(bu)逾越底線(xian)、不(bu)觸碰紅線(xian)，不(bu)僅有助于直接降(jiang)(jiang)低(di)資金(jin)(jin)(jin)(jin)供需雙方(fang)的(de)信(xin)任成本，提(ti)升金(jin)(jin)(jin)(jin)融(rong)市場流(liu)動性(xing)和效率(lv)，還可以間接降(jiang)(jiang)低(di)監管成本，提(ti)高金(jin)(jin)(jin)(jin)融(rong)中(zhong)介效率(lv)。
03以義(yi)取利，不唯利是圖(tu)
資(zi)本(ben)具有(you)天然的(de)(de)逐利性。金(jin)融使勞動(dong)分工、規(gui)模(mo)經(jing)濟(ji)成(cheng)為可能，金(jin)融的(de)(de)發展促進了經(jing)濟(ji)的(de)(de)增長(chang)。但同時，在資(zi)本(ben)主義意識形態和(he)社會制(zhi)度下，金(jin)融資(zi)本(ben)暴露出明顯的(de)(de)壟(long)斷性、掠(lve)奪性和(he)脆弱性，不僅(jin)造成(cheng)巨大的(de)(de)貧富差距，而且屢次引發經(jing)濟(ji)金(jin)融危機。
中華優(you)秀傳統文(wen)化強調要正確處(chu)理好“義(yi)”“利(li)(li)”關系(xi)，倡導見利(li)(li)思義(yi)、以(yi)義(yi)取(qu)(qu)(qu)利(li)(li)、重義(yi)輕利(li)(li)、舍利(li)(li)取(qu)(qu)(qu)義(yi)，反對唯利(li)(li)是圖、見利(li)(li)忘義(yi)。孔子主張“富與貴，是人之所欲也，不(bu)以(yi)其(qi)道得之，不(bu)處(chu)也”。荀子認為(wei)“先義(yi)而后利(li)(li)者榮，先利(li)(li)而后義(yi)者辱(ru)”。秉持(chi)(chi)以(yi)義(yi)取(qu)(qu)(qu)利(li)(li)的價(jia)值(zhi)觀念，堅(jian)持(chi)(chi)以(yi)人民為(wei)中心(xin)的價(jia)值(zhi)取(qu)(qu)(qu)向，堅(jian)持(chi)(chi)把金融服務(wu)實體(ti)經濟(ji)作為(wei)根本宗旨，便會以(yi)經濟(ji)的增長(chang)和社會福祉的增加為(wei)追求，摒棄短(duan)期套利(li)(li)、操縱(zong)市場、欺(qi)瞞造假等(deng)不(bu)當及違法(fa)違規(gui)行為(wei)。
要(yao)順(shun)應我國經濟社會新(xin)發(fa)展和廣(guang)大人民群(qun)眾(zhong)新(xin)期(qi)待，建立健全(quan)多(duo)樣化(hua)專(zhuan)業(ye)性的金(jin)(jin)(jin)融(rong)產品和服(fu)務(wu)體系，加大對重大戰略、重點領(ling)域(yu)和薄弱環節的金(jin)(jin)(jin)融(rong)支持力度，著力做好(hao)科技金(jin)(jin)(jin)融(rong)、綠色金(jin)(jin)(jin)融(rong)、普惠(hui)金(jin)(jin)(jin)融(rong)、養老金(jin)(jin)(jin)融(rong)、數字金(jin)(jin)(jin)融(rong)五篇大文(wen)章(zhang)，提升金(jin)(jin)(jin)融(rong)服(fu)務(wu)的覆蓋率、可得性和滿意(yi)度，讓(rang)廣(guang)大人民群(qun)眾(zhong)共享金(jin)(jin)(jin)融(rong)發(fa)展成果。
04穩健審慎，不(bu)急功近(jin)利(li)
中(zhong)華(hua)優秀傳統文(wen)化(hua)(hua)(hua)提倡“居安思危”“行穩(wen)致遠”，強調(diao)(diao)“未雨綢(chou)繆”“防(fang)患于未然”。荀悅在《申鑒·雜言(yan)》中(zhong)論道“防(fang)為上，救次(ci)之(zhi)，戒為下”。《老子》有載“知足不辱(ru)，知止(zhi)不殆(dai)，可以長久”。中(zhong)華(hua)傳統商業文(wen)化(hua)(hua)(hua)特(te)別強調(diao)(diao)穩(wen)健(jian)經營，“將本(ben)求利”是古代錢莊票號最(zui)基本(ben)最(zui)重要(yao)的行事準則，實質就是重視(shi)資本(ben)金(jin)約束。打(da)造穩(wen)健(jian)審慎的金(jin)融文(wen)化(hua)(hua)(hua)氛(fen)圍，對于維護金(jin)融市場穩(wen)定、增(zeng)強金(jin)融機構風險管理能力、防(fang)范化(hua)(hua)(hua)解(jie)系統性金(jin)融風險至(zhi)關重要(yao)。
黨的(de)十八大以來，以習近(jin)平同志(zhi)為核心的(de)黨中央高(gao)瞻(zhan)遠(yuan)矚、未雨綢繆，時刻把防(fang)控(kong)風險(xian)擺在突出位置(zhi)，防(fang)范(fan)化解重(zhong)大金(jin)(jin)融(rong)(rong)(rong)(rong)風險(xian)攻(gong)堅戰取得積極成效，有力(li)維(wei)護了國家經濟(ji)金(jin)(jin)融(rong)(rong)(rong)(rong)穩定(ding)和(he)人民財產安全。做好新時代新征程金(jin)(jin)融(rong)(rong)(rong)(rong)工(gong)作，要(yao)堅持穩健審慎(shen)，不(bu)急功近(jin)利、不(bu)好高(gao)騖遠(yuan)。健全宏觀(guan)審慎(shen)政策框架，豐(feng)富監(jian)管工(gong)具，更加注重(zhong)跨周期和(he)逆周期調(diao)節，保持貨幣信貸總量和(he)社會融(rong)(rong)(rong)(rong)資規模合理增長(chang)。完善微觀(guan)審慎(shen)監(jian)管，以資本充(chong)足率、資產質量、管理能力(li)、盈利表現(xian)、流動(dong)性、市場風險(xian)敏感度(du)等為標準，完善金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)構(gou)評(ping)價體系。健全風險(xian)監(jian)測預(yu)(yu)警(jing)和(he)早(zao)(zao)期干預(yu)(yu)機(ji)制，實(shi)現(xian)風險(xian)早(zao)(zao)識別、早(zao)(zao)預(yu)(yu)警(jing)、早(zao)(zao)發(fa)現(xian)、早(zao)(zao)處置(zhi)。
05守正創新，不脫(tuo)實向虛
中(zhong)華文(wen)明(ming)具有突(tu)出的創新(xin)性(xing)，中(zhong)華民族(zu)始終以“茍日(ri)(ri)新(xin)，日(ri)(ri)日(ri)(ri)新(xin)，又日(ri)(ri)新(xin)”的精神(shen)不(bu)斷創造自己的物(wu)質文(wen)明(ming)、精神(shen)文(wen)明(ming)和政治(zhi)文(wen)明(ming)。我(wo)們也歷來(lai)崇尚在守正中(zhong)創新(xin)，積極汲取中(zhong)華優秀傳(chuan)統文(wen)化的精華并進行(xing)創新(xin)發展。習(xi)近平總書(shu)記強調，“守正才能不(bu)迷失(shi)自我(wo)、不(bu)迷失(shi)方向(xiang)，創新(xin)才能把握時代、引領(ling)時代”。
具體到(dao)金(jin)融實踐中，“守(shou)正”包(bao)含(han)兩(liang)個層面的(de)含(han)義：其一(yi)，始終堅(jian)(jian)(jian)持(chi)馬克思主義在意識(shi)形態領域的(de)指導地位，堅(jian)(jian)(jian)持(chi)“兩(liang)個結合”的(de)根本(ben)要求，毫不動搖堅(jian)(jian)(jian)持(chi)中國共產(chan)黨(dang)的(de)領導；其二(er)，堅(jian)(jian)(jian)持(chi)金(jin)融服務實體經濟的(de)根本(ben)宗旨，遵守(shou)法(fa)律法(fa)規、恪守(shou)職業道德(de)、尊重(zhong)經濟規律、保護金(jin)融消費者合法(fa)權益。
守(shou)正創新(xin)，走中(zhong)國特色金(jin)融(rong)(rong)(rong)(rong)(rong)發(fa)展之路，必(bi)須堅(jian)持黨中(zhong)央(yang)對(dui)金(jin)融(rong)(rong)(rong)(rong)(rong)工作(zuo)的集(ji)中(zhong)統一(yi)領(ling)導，堅(jian)持以人(ren)民為中(zhong)心的價值取向，堅(jian)持把(ba)(ba)金(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)務(wu)實(shi)體(ti)經濟作(zuo)為根本宗旨(zhi)，堅(jian)持把(ba)(ba)防(fang)控(kong)風(feng)險作(zuo)為金(jin)融(rong)(rong)(rong)(rong)(rong)工作(zuo)的永恒(heng)主(zhu)題(ti)，堅(jian)持在市(shi)場(chang)化(hua)(hua)(hua)(hua)法治(zhi)(zhi)化(hua)(hua)(hua)(hua)軌(gui)道上推(tui)進(jin)金(jin)融(rong)(rong)(rong)(rong)(rong)創新(xin)發(fa)展，堅(jian)持統籌金(jin)融(rong)(rong)(rong)(rong)(rong)開放和(he)安全(quan)，堅(jian)持穩(wen)中(zhong)求進(jin)工作(zuo)總基調。要以金(jin)融(rong)(rong)(rong)(rong)(rong)體(ti)系(xi)結(jie)構(gou)(gou)調整(zheng)優(you)化(hua)(hua)(hua)(hua)為重點，優(you)化(hua)(hua)(hua)(hua)融(rong)(rong)(rong)(rong)(rong)資(zi)結(jie)構(gou)(gou)和(he)金(jin)融(rong)(rong)(rong)(rong)(rong)機構(gou)(gou)體(ti)系(xi)、市(shi)場(chang)體(ti)系(xi)、產(chan)品(pin)體(ti)系(xi)，完善(shan)機構(gou)(gou)定位，強化(hua)(hua)(hua)(hua)市(shi)場(chang)規則，健全(quan)法人(ren)治(zhi)(zhi)理(li)，深化(hua)(hua)(hua)(hua)金(jin)融(rong)(rong)(rong)(rong)(rong)供給側結(jie)構(gou)(gou)性改革(ge)。
06依法合規，不胡作非為
我(wo)國傳統法(fa)(fa)律文(wen)化崇(chong)尚德法(fa)(fa)相輔，強調“禮法(fa)(fa)并用(yong)”。先(xian)秦法(fa)(fa)家(jia)主張(zhang)“不(bu)別(bie)親疏，不(bu)殊貴賤，一斷于法(fa)(fa)”。黨的二十大報告提出(chu)，“必須(xu)更(geng)好發揮法(fa)(fa)治固(gu)根本(ben)、穩預期、利(li)長遠的保(bao)障作(zuo)用(yong)，在(zai)法(fa)(fa)治軌道上全面建設(she)(she)社會(hui)主義現代化國家(jia)”。中央金(jin)融工作(zuo)會(hui)議提出(chu)，要加強金(jin)融法(fa)(fa)治建設(she)(she)，及時推進金(jin)融重點(dian)領域(yu)和新(xin)興(xing)領域(yu)立(li)法(fa)(fa)，為金(jin)融業發展保(bao)駕護航。
新(xin)時代(dai)新(xin)征程(cheng)(cheng)加(jia)強金(jin)(jin)(jin)融(rong)(rong)(rong)法(fa)(fa)治建設可從以下幾方面著力。一是(shi)加(jia)強重點領域(yu)立(li)法(fa)(fa)。根(gen)據金(jin)(jin)(jin)融(rong)(rong)(rong)領域(yu)改(gai)革與發展要求，推動重要法(fa)(fa)律法(fa)(fa)規(gui)制定和(he)修訂，織密(mi)金(jin)(jin)(jin)融(rong)(rong)(rong)法(fa)(fa)網，補(bu)齊制度(du)短板(ban)。尤其要完善關(guan)于金(jin)(jin)(jin)融(rong)(rong)(rong)穩(wen)定和(he)安全的(de)法(fa)(fa)規(gui)，明(ming)確金(jin)(jin)(jin)融(rong)(rong)(rong)風險處(chu)置的(de)觸發標準(zhun)、程(cheng)(cheng)序機制、資金(jin)(jin)(jin)來源和(he)法(fa)(fa)律責(ze)任(ren)，健全權責(ze)一致(zhi)的(de)風險處(chu)置責(ze)任(ren)機制。二(er)是(shi)豐富執(zhi)法(fa)(fa)手(shou)段。在市場準(zhun)入(ru)、審慎監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)、行(xing)為監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)等各個環節嚴(yan)格執(zhi)法(fa)(fa)，實現金(jin)(jin)(jin)融(rong)(rong)(rong)監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)橫(heng)向(xiang)到邊、縱向(xiang)到底。加(jia)強金(jin)(jin)(jin)融(rong)(rong)(rong)管(guan)(guan)(guan)理部門與宏觀調控部門、行(xing)業主(zhu)管(guan)(guan)(guan)部門、司法(fa)(fa)機關(guan)、紀(ji)檢監(jian)(jian)(jian)(jian)(jian)察機關(guan)等監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)協(xie)同，完善行(xing)政、民事、刑(xing)事立(li)體追責(ze)體系，嚴(yan)厲打擊非法(fa)(fa)金(jin)(jin)(jin)融(rong)(rong)(rong)活(huo)動，整治各種金(jin)(jin)(jin)融(rong)(rong)(rong)亂象。三是(shi)完善金(jin)(jin)(jin)融(rong)(rong)(rong)監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)體制機制。實現金(jin)(jin)(jin)融(rong)(rong)(rong)監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)全覆(fu)蓋，依法(fa)(fa)將(jiang)所有(you)金(jin)(jin)(jin)融(rong)(rong)(rong)活(huo)動全部納(na)入(ru)監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)。持續加(jia)強機構監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)、行(xing)為監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)、功能監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)、穿透式監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)、持續監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)，不(bu)斷提升監(jian)(jian)(jian)(jian)(jian)管(guan)(guan)(guan)專業性(xing)、權威性(xing)和(he)透明(ming)度(du)。
培(pei)育(yu)金融(rong)文化是一(yi)項系統工程(cheng)、基礎工程(cheng)、長期工程(cheng)，內容十分豐富，任務極為(wei)艱巨，不可能(neng)一(yi)蹴而就，需(xu)要持(chi)續努力(li)、久久為(wei)功。新時代(dai)新征(zheng)程(cheng)，必須(xu)堅持(chi)以(yi)習近(jin)平新時代(dai)中(zhong)國特色(se)社會主義思想(xiang)為(wei)指導，積極培(pei)育(yu)中(zhong)國特色(se)金融(rong)文化，增強金融(rong)文化自覺與(yu)自信(xin)，推動我國金融(rong)高質(zhi)量發展，為(wei)以(yi)中(zhong)國式現(xian)代(dai)化全(quan)面推進強國建設(she)、民族復興(xing)偉業提供有力(li)支撐(cheng)。
（來源：新華社）
