随着近年工业资本投资回报率的持续下滑,金融业应调整信贷理念,在支持工业企业产业结构升级和正常生产的同时,将目标市场更多地锁定在服务业信贷市场。在传统增长要素的结构惯性支配下,本来具有高价格弹性、货币政策传导灵敏性、高就业吸附能力的服务业(为方便经济金融间的对比分析,本文所称服务业指统计上除农业、采矿、制造、建筑、电力生产以外的第三产业),一直未得到相当于工业的金融支持。 With the continuous decline in the rate of return on investment in industrial capital in recent years, the financial industry should adjust its credit concept. While supporting the upgrading of industrial structure and normal production of industrial enterprises, the target market will be more locked in the credit market for service industries. Under the dominance of the traditional growth factor structure, the service industry that originally had high price elasticity, sensitive monetary policy transmission, and high employment capacity for absorption (in order to facilitate the comparative analysis between the economy and finance, the term “service industry” as used in this article refers statistically to agriculture, The tertiary industry other than mining, manufacturing, construction, and power production has not received financial support equivalent to industry.