当前我国经济发展进入一个“三期叠加”的新经济新常态,需求侧管理已经无法有效带动经济又好又快增长,调结构促转型已成经济发展的攻坚之战。本文通过梳理金融支持经济发展,助力供给侧改革的内在逻辑,认为金融要素供给的抑制,导致金融创造经济财富的能力不足,金融排斥现象较为严重,在银行主导型金融结构下,只有放松准入门槛,鼓励产品创新,扩大金融有效供给,同时做好金融监管防范系统风险,方可消除金融排斥,助力供给侧改革,恢复中国经济活力,完成经济从投资驱动向创新驱动的转型。 At present, the economic development of our country has entered a new normal of the new economy with “three superpositions.” Demand-side management has failed to effectively bring about a sound and rapid economic growth. Adjusting the structural transformation and upgrading has become a crucial battle for economic development. By combing the internal logic of financial support for economic development and boosting supply-side reform, this paper argues that the suppression of supply of financial factors leads to the lack of financial capacity to create economic wealth and the serious financial exclusion. Under the bank-led financial structure, only the relaxation of access To encourage the product innovation and expand the effective supply of financial resources, meanwhile financial supervision should be conducted to prevent systemic risks so as to eliminate financial exclusion, help supply-side reform, restore the vitality of China’s economy, and complete the transition from investment-driven to innovation-driven economy.