本文先介绍产业结构调整中面临的四大问题—融资方式产生的结构失衡、地方性金融机构的服务水平欠缺、金融机构监管体制欠规范化、投资分配和导向不合理。然后针对问题在金融监管体系、直接融资渠道、金融市场的信用环境和融资结构等方面提出相对应的政策建议,为产业结构调整和优化提供有利的支持。 This article first introduces the four major problems facing the adjustment of industrial structure - the structural imbalances arising from the financing methods, the lack of service of local financial institutions, the lack of standardization of regulatory institutions in financial institutions and the irrational investment allocation and orientation. Then, we put forward the corresponding policy recommendations on the financial regulatory system, direct financing channels, the credit environment and financing structure of financial markets, and provide favorable support for industrial restructuring and optimization.