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Abstract：This paper mainly explores the current situation and reform suggestions of financial services，and provides theoretical suggestions for financial services to promote the transformation and upgrading of the real economy.
Key words：financial services; Real economy
1.Status and problems of financial boosting the development of real economy
At present，the low efficiency of China's financial services to the real economy is the key problem leading to the transformation and upgrading of the real economy，and the structural contradiction between capital supply and demand is more obvious due to the low efficiency.Many enterprises are still unable to achieve the financing purpose of large amount，high efficiency and low cost，resulting in high capital use cost，high financing cost and short capital use cycle，which leads to the increase of indirect financing cost.This is the main reason for the slow development of China's real economy，the high financing cost of enterprises and the low efficiency of financial services.
2.Strategies for financial services to promote the development of real economy
First，financial institutions take the initiative to establish special financial allocation plans for strong comprehensive strength and strong economic strength，which can improve capital efficiency and shorten the cycle.Secondly，pay attention to the reorganization，upgrading and transformation of local characteristic industrial structure，and provide merger，reorganization and resource integration schemes for the real economy.Finally，develop characteristic bond financing tools，optimize and upgrade the intelligent，comprehensive and modular financial services，establish a big data ecosystem of the financial market with the help of financial technology，improve the accuracy of market analysis and decision-making based on data，and realize the construction of mobile payment mode of financial transactions.
3 conclusion
To sum up，this paper analyzes the improvement suggestions of China's financial service real economy from the perspective of promoting the upgrading of financial service real economy services，new industry cooperation，improving management level，green environmental protection industry investment and improving resource allocation efficiency.
reference
[1]Qi Shengli.How rural financial institutions break through in horizontal competition[n].China county economic news.2020
Key words：financial services; Real economy
1.Status and problems of financial boosting the development of real economy
At present，the low efficiency of China's financial services to the real economy is the key problem leading to the transformation and upgrading of the real economy，and the structural contradiction between capital supply and demand is more obvious due to the low efficiency.Many enterprises are still unable to achieve the financing purpose of large amount，high efficiency and low cost，resulting in high capital use cost，high financing cost and short capital use cycle，which leads to the increase of indirect financing cost.This is the main reason for the slow development of China's real economy，the high financing cost of enterprises and the low efficiency of financial services.
2.Strategies for financial services to promote the development of real economy
First，financial institutions take the initiative to establish special financial allocation plans for strong comprehensive strength and strong economic strength，which can improve capital efficiency and shorten the cycle.Secondly，pay attention to the reorganization，upgrading and transformation of local characteristic industrial structure，and provide merger，reorganization and resource integration schemes for the real economy.Finally，develop characteristic bond financing tools，optimize and upgrade the intelligent，comprehensive and modular financial services，establish a big data ecosystem of the financial market with the help of financial technology，improve the accuracy of market analysis and decision-making based on data，and realize the construction of mobile payment mode of financial transactions.
3 conclusion
To sum up，this paper analyzes the improvement suggestions of China's financial service real economy from the perspective of promoting the upgrading of financial service real economy services，new industry cooperation，improving management level，green environmental protection industry investment and improving resource allocation efficiency.
reference
[1]Qi Shengli.How rural financial institutions break through in horizontal competition[n].China county economic news.2020