按照经济增长理论与内生经济增长理论,经济增长的源泉包括生产要素的积累与技术的进步。其中,技术的进步与发展推动了社会的进步与经济的增长,是保证经济高效率增长与集约型增长的关键所在。金融是现代经济的核心要素之一,从马克思的劳动价值论来讲,金融本身属于一种高等服务业,其本身不创造价值,只是参与价值的分享。但金融在经济发展中有其独特的功能,其核心作用为将储蓄转化为投资,为企业突破融资约束;化解和规避科技创新的风险;便利 According to the theories of economic growth and endogenous economic growth, the sources of economic growth include the accumulation of productive factors and technological progress. Among them, the progress and development of technology have promoted the progress of society and the growth of economy, and are the key to ensuring the economic growth and intensive growth. Finance is one of the core elements of the modern economy. From Marx’s labor theory of value, finance itself belongs to a higher service industry. It does not create value by itself, but participates in the sharing of value. However, finance has its unique function in economic development. Its core role is to convert savings into investment, to break the financing constraint for enterprises, to mitigate and avoid the risks of technological innovation, to facilitate