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瞄(miao)准新质(zhi)生产力 引(yin)导金(jin)融机构提供高质(zhi)量普惠(hui)金(jin)融服(fu)务

访国(guo)家金融监督管理总(zong)局(ju)厦门监管局(ju)党委书记、局(ju)长(zhang)孙晓明

记者 徐贝贝

2023年(nian)全年(nian)，厦门新(xin)增(zeng)小微企业首贷户(hu)近(jin)5000户(hu)；截至2023年(nian)末(mo)，银行业金(jin)(jin)融(rong)机(ji)构为新(xin)市民提供相关信贷产品248个，贷款余(yu)额(e)2000余(yu)亿元(yuan)；截至2023年(nian)末(mo)，“益鹭保(bao)”产品累计为7063人次灵活就业人员提供保(bao)险保(bao)障(zhang)近(jin)150万天次，保(bao)障(zhang)金(jin)(jin)额(e)超30亿元(yuan)……普惠活水润鹭岛，金(jin)(jin)融(rong)服务暖民心。2023年(nian)以来，厦门监管局(ju)交(jiao)出了一份亮(liang)丽(li)的普惠金(jin)(jin)融(rong)新(xin)答卷。

去年(nian)年(nian)底召开的(de)中央(yang)金(jin)(jin)融(rong)工作会议要求做好普惠(hui)金(jin)(jin)融(rong)等五(wu)篇大(da)文(wen)章。下一阶(jie)段，普惠(hui)金(jin)(jin)融(rong)工作如(ru)何发力？如(ru)何打(da)造(zao)又普又惠(hui)的(de)普惠(hui)金(jin)(jin)融(rong)体系？正(zheng)值“普惠(hui)金(jin)(jin)融(rong)推(tui)进月”，《金(jin)(jin)融(rong)时报》记者采访了国(guo)家金(jin)(jin)融(rong)监(jian)督(du)管(guan)理(li)总局厦门(men)监(jian)管(guan)局党(dang)委(wei)书记、局长孙晓明(ming)。

《金融时报》记者：去年以来，厦门监管局在推进普惠(hui)金融发展方面取(qu)得了(le)哪(na)些成效？

孙晓(xiao)明：过(guo)去一年，厦门监管局(ju)认真贯彻党(dang)(dang)中央、国务院(yuan)决策部署和(he)金融(rong)监管总(zong)局(ju)党(dang)(dang)委(wei)要求，积极践(jian)行(xing)金融(rong)工(gong)作(zuo)的政治性和(he)人(ren)民性，聚焦人(ren)民群(qun)众(zhong)急难愁盼问题，扎实写好普惠金融(rong)大文章。

去(qu)年(nian)年(nian)初(chu)，我(wo)们推(tui)动地(di)方政(zheng)府进一(yi)步发挥(hui)“财政(zheng)+金(jin)融”组合(he)(he)政(zheng)策工具优势，在原有的中(zhong)小微企(qi)(qi)业(ye)融资增信基金(jin)中(zhong)增设首(shou)(shou)贷(dai)(dai)(dai)续贷(dai)(dai)(dai)增信子基金(jin)，形成(cheng)“风险(xian)补偿”和“贴息配套”的“组合(he)(he)拳”，帮助小微企(qi)(qi)业(ye)首(shou)(shou)贷(dai)(dai)(dai)户实(shi)现“贷(dai)(dai)(dai)得(de)到+贷(dai)(dai)(dai)得(de)省”的双(shuang)重目标。2023年(nian)全(quan)年(nian)，厦(sha)门新(xin)增小微企(qi)(qi)业(ye)首(shou)(shou)贷(dai)(dai)(dai)户近(jin)5000户。厦(sha)门市首(shou)(shou)贷(dai)(dai)(dai)续贷(dai)(dai)(dai)增信子基金(jin)的16家合(he)(he)作银行全(quan)部(bu)实(shi)现业(ye)务落地(di)，累计备案(an)小微企(qi)(qi)业(ye)首(shou)(shou)贷(dai)(dai)(dai)户600余户，备案(an)金(jin)额近(jin)8亿元。

去(qu)年7月以来，我们会(hui)同(tong)厦门市工信(xin)局(ju)、市商(shang)务局(ju)组织辖内(nei)银行保(bao)险机构开展“走万企(qi)(qi)(qi) 提信(xin)心 优服务”专项对接活(huo)(huo)动，加大对创新(xin)型、重(zhong)(zhong)点(dian)产业(ye)集群、重(zhong)(zhong)点(dian)产业(ye)链上下游、数字化转型、外贸企(qi)(qi)(qi)业(ye)、重(zhong)(zhong)点(dian)外向型产业(ye)六类(lei)重(zhong)(zhong)点(dian)领域中(zhong)的小微民营(ying)企(qi)(qi)(qi)业(ye)的融(rong)资(zi)支持。通过内(nei)部数据系统梳理一万余户重(zhong)(zhong)点(dian)领域企(qi)(qi)(qi)业(ye)信(xin)息并推(tui)送给机构，提升(sheng)金融(rong)服务触达率。活(huo)(huo)动开展以来，已向5000余户中(zhong)小微民营(ying)企(qi)(qi)(qi)业(ye)发放(fang)贷款近1200亿(yi)元(yuan)，2099户企(qi)(qi)(qi)业(ye)新(xin)增保(bao)险保(bao)障金额近50亿(yi)美元(yuan)。

在新(xin)市(shi)(shi)民金(jin)(jin)融(rong)服(fu)(fu)务(wu)方面，厦门(men)监(jian)管局开展“揭榜挂帅”活(huo)动(dong)，引导银(yin)行(xing)保(bao)险(xian)(xian)(xian)机(ji)构不断丰富产(chan)品(pin)和(he)服(fu)(fu)务(wu)，推动(dong)35家银(yin)行(xing)保(bao)险(xian)(xian)(xian)机(ji)构的50个新(xin)市(shi)(shi)民金(jin)(jin)融(rong)服(fu)(fu)务(wu)产(chan)品(pin)入(ru)驻(zhu)新(xin)市(shi)(shi)民金(jin)(jin)融(rong)服(fu)(fu)务(wu)平台。截(jie)至2023年末，银(yin)行(xing)业金(jin)(jin)融(rong)机(ji)构为(wei)新(xin)市(shi)(shi)民提供相关信贷产(chan)品(pin)248个，贷款余额(e)2000余亿元。保(bao)险(xian)(xian)(xian)机(ji)构为(wei)新(xin)市(shi)(shi)民提供保(bao)险(xian)(xian)(xian)专属产(chan)品(pin)87个，累计(ji)保(bao)险(xian)(xian)(xian)金(jin)(jin)额(e)875亿元。

在金融支持民生福祉方面也取(qu)得了明显成效。去年(nian)4月，厦(sha)门监(jian)管局联合厦(sha)门市医保(bao)(bao)局等部门推出2023版“惠(hui)厦(sha)保(bao)(bao)”产(chan)品。2023版“惠(hui)厦(sha)保(bao)(bao)”全面降低(di)免赔额(e)，保(bao)(bao)费不变，保(bao)(bao)障(zhang)额(e)度(du)提(ti)至(zhi)450万(wan)元，参保(bao)(bao)人(ren)数增加至(zhi)110余万(wan)人(ren)。去年(nian)9月，会同厦(sha)门市人(ren)社(she)局等部门推出“益鹭保(bao)(bao)”灵活就业人(ren)员(yuan)职(zhi)业伤害保(bao)(bao)险(xian)项目(mu)，填(tian)补新市民群体现有社(she)会保(bao)(bao)险(xian)与商(shang)业保(bao)(bao)险(xian)之间保(bao)(bao)障(zhang)不足的空白。截至(zhi)2023年(nian)末，“益鹭保(bao)(bao)”产(chan)品累计为(wei)7063人(ren)次灵活就业人(ren)员(yuan)提(ti)供(gong)保(bao)(bao)险(xian)保(bao)(bao)障(zhang)近150万(wan)天次，保(bao)(bao)障(zhang)金额(e)超30亿元。

此外，厦门(men)监(jian)管局(ju)指(zhi)导辖内银行(xing)保险机(ji)构积极支(zhi)(zhi)持(chi)农(nong)业(ye)农(nong)村优先发展，推动金(jin)融(rong)服务乡(xiang)村振兴(xing)重点(dian)工作。去年(nian)9月，我们(men)会同厦门(men)市农(nong)业(ye)农(nong)村局(ju)等部(bu)门(men)组建厦门(men)市“金(jin)融(rong)支(zhi)(zhi)农(nong)联盟”，聚焦服务乡(xiang)村振兴(xing)战略，搭(da)建银行(xing)、保险、地方金(jin)融(rong)组织(zhi)等机(ji)构的协(xie)商合作平台。10月，指(zhi)导召开首(shou)届厦门(men)市种业(ye)企(qi)业(ye)金(jin)融(rong)服务对(dui)接会。截(jie)至(zhi)2023年(nian)末，相关种业(ye)企(qi)业(ye)贷款余额超(chao)过7亿元(yuan)。

《金融时报(bao)》记(ji)者：在“普惠金融推(tui)进月”行动中，厦门(men)监管局(ju)将开展哪(na)些特色(se)活动，以(yi)更(geng)好满足小(xiao)微、民营(ying)企业等群体的金融需求？

孙晓明：根据(ju)金(jin)融(rong)(rong)(rong)(rong)(rong)(rong)监管(guan)(guan)总局统一(yi)部(bu)署，厦(sha)门(men)监管(guan)(guan)局结(jie)合厦(sha)门(men)特(te)色(se)，组织(zhi)银行保(bao)险(xian)机(ji)(ji)构(gou)(gou)开(kai)(kai)展“普(pu)(pu)惠金(jin)融(rong)(rong)(rong)(rong)(rong)(rong)推(tui)进月(yue)”系列活动(dong)。一(yi)是(shi)强化供需对(dui)(dui)(dui)接(jie)，靠前金(jin)融(rong)(rong)(rong)(rong)(rong)(rong)服(fu)务(wu)(wu)。指导机(ji)(ji)构(gou)(gou)加(jia)大调研走访力度(du)，深入了(le)解(jie)并充分掌握小微企(qi)业(ye)(ye)、民营企(qi)业(ye)(ye)、涉农主体等市场(chang)主体和广大人(ren)民群众的信(xin)贷和保(bao)险(xian)服(fu)务(wu)(wu)需求(qiu)，围绕厦(sha)门(men)经济特(te)点，集中开(kai)(kai)展“政(zheng)银保(bao)协(xie)同、银团企(qi)协(xie)同、产业(ye)(ye)链协(xie)同、台(tai)侨商协(xie)同、线上化协(xie)同”金(jin)融(rong)(rong)(rong)(rong)(rong)(rong)服(fu)务(wu)(wu)对(dui)(dui)(dui)接(jie)活动(dong)。“普(pu)(pu)惠金(jin)融(rong)(rong)(rong)(rong)(rong)(rong)推(tui)进月(yue)”期间，辖内21家银行机(ji)(ji)构(gou)(gou)将(jiang)开(kai)(kai)展72场(chang)融(rong)(rong)(rong)(rong)(rong)(rong)资对(dui)(dui)(dui)接(jie)活动(dong)，18家保(bao)险(xian)公司将(jiang)举办52场(chang)服(fu)务(wu)(wu)对(dui)(dui)(dui)接(jie)会(hui)。二是(shi)突出(chu)对(dui)(dui)(dui)台(tai)特(te)色(se)，服(fu)务(wu)(wu)两(liang)(liang)岸融(rong)(rong)(rong)(rong)(rong)(rong)合。指导辖内机(ji)(ji)构(gou)(gou)发(fa)挥区(qu)(qu)(qu)位(wei)优势，携手厦(sha)门(men)市台(tai)商投(tou)资企(qi)业(ye)(ye)协(xie)会(hui)共同举办了(le)银企(qi)对(dui)(dui)(dui)接(jie)交流会(hui)，100多位(wei)台(tai)商投(tou)资企(qi)业(ye)(ye)家代表参加(jia)会(hui)议，围绕金(jin)融(rong)(rong)(rong)(rong)(rong)(rong)支(zhi)持(chi)建(jian)设两(liang)(liang)岸融(rong)(rong)(rong)(rong)(rong)(rong)合发(fa)展示(shi)范区(qu)(qu)(qu)相关(guan)政(zheng)策(ce)以及金(jin)融(rong)(rong)(rong)(rong)(rong)(rong)服(fu)务(wu)(wu)台(tai)企(qi)台(tai)胞(bao)开(kai)(kai)展深入交流。三是(shi)强化宣传推(tui)广，讲好普(pu)(pu)惠故事。立足闽南地(di)区(qu)(qu)(qu)特(te)色(se)，在行业(ye)(ye)内打造(zao)了(le)“里(li)厚 新厝边”金(jin)融(rong)(rong)(rong)(rong)(rong)(rong)政(zheng)策(ce)直播平台(tai)。“普(pu)(pu)惠金(jin)融(rong)(rong)(rong)(rong)(rong)(rong)推(tui)进月(yue)”期间，普(pu)(pu)惠金(jin)融(rong)(rong)(rong)(rong)(rong)(rong)政(zheng)策(ce)解(jie)读和服(fu)务(wu)(wu)宣传活动(dong)也将(jiang)在这个平台(tai)开(kai)(kai)展。

《金融(rong)时报》记者：拓展小微企业首贷户一直(zhi)是监管部门鼓(gu)励(li)和(he)支(zhi)持(chi)的方向。在这方面，厦门监管局采取了哪些政策措(cuo)施(shi)？

孙晓明：为帮助小微(wei)(wei)企(qi)业(ye)(ye)用好用足优(you)惠(hui)政策，厦(sha)门(men)监管(guan)局(ju)(ju)立足首(shou)贷(dai)(dai)(dai)(dai)续(xu)贷(dai)(dai)(dai)(dai)增(zeng)信子基(ji)金(jin)(jin)的(de)(de)(de)(de)应用情况开展(zhan)调研(yan)，深入(ru)分析小微(wei)(wei)企(qi)业(ye)(ye)首(shou)贷(dai)(dai)(dai)(dai)工作(zuo)的(de)(de)(de)(de)难点(dian)、堵点(dian)，并(bing)提(ti)(ti)(ti)(ti)出系列针对性措施。一是(shi)(shi)强(qiang)(qiang)化(hua)监管(guan)引(yin)领，印发(fa)《厦(sha)门(men)银(yin)保监局(ju)(ju)办公室关于进一步加(jia)强(qiang)(qiang)小微(wei)(wei)企(qi)业(ye)(ye)首(shou)贷(dai)(dai)(dai)(dai)工作(zuo)的(de)(de)(de)(de)通知》，从落实主(zhu)体责(ze)任、提(ti)(ti)(ti)(ti)升政策效能、加(jia)强(qiang)(qiang)考核(he)激(ji)励(li)、落实尽职免责(ze)、创新首(shou)贷(dai)(dai)(dai)(dai)产(chan)品、加(jia)强(qiang)(qiang)宣(xuan)传引(yin)导六方面提(ti)(ti)(ti)(ti)出工作(zuo)要求。二是(shi)(shi)明确工作(zuo)目标(biao)，向16家增(zeng)信基(ji)金(jin)(jin)合作(zuo)银(yin)行提(ti)(ti)(ti)(ti)出首(shou)贷(dai)(dai)(dai)(dai)续(xu)贷(dai)(dai)(dai)(dai)增(zeng)信子基(ji)金(jin)(jin)备案(an)贷(dai)(dai)(dai)(dai)款增(zeng)量(liang)扩面的(de)(de)(de)(de)工作(zuo)目标(biao)，并(bing)开展(zhan)定期监测，督促银(yin)行机构不断扩大小微(wei)(wei)企(qi)业(ye)(ye)首(shou)贷(dai)(dai)(dai)(dai)户服(fu)务覆盖面。三是(shi)(shi)加(jia)强(qiang)(qiang)平台(tai)建设，联合厦(sha)门(men)市(shi)地(di)方金(jin)(jin)融(rong)管(guan)理(li)(li)局(ju)(ju)等部门(men)出台(tai)《厦(sha)门(men)市(shi)首(shou)贷(dai)(dai)(dai)(dai)续(xu)贷(dai)(dai)(dai)(dai)服(fu)务中(zhong)心(xin)管(guan)理(li)(li)办法》，进一步规(gui)范平台(tai)运营(ying)管(guan)理(li)(li)，明确首(shou)贷(dai)(dai)(dai)(dai)续(xu)贷(dai)(dai)(dai)(dai)服(fu)务中(zhong)心(xin)的(de)(de)(de)(de)业(ye)(ye)务范围和办理(li)(li)流程(cheng)，指(zhi)导该中(zhong)心(xin)强(qiang)(qiang)化(hua)金(jin)(jin)融(rong)科技内核(he)，提(ti)(ti)(ti)(ti)升为市(shi)场主(zhu)体提(ti)(ti)(ti)(ti)供线上化(hua)融(rong)资服(fu)务的(de)(de)(de)(de)能力。

《金融(rong)时报》记者(zhe)：数字技术对于提升普惠金融(rong)效率(lv)、防范化解风险有着重(zhong)要作(zuo)用。厦(sha)门监管局如何有序推进数字普惠金融(rong)发展(zhan)？

孙晓明：厦门(men)监管(guan)局推进数(shu)字普(pu)惠金融服(fu)务的成(cheng)效可以总结为惠企和利民两个方面。

在惠(hui)企(qi)方面，为破解中(zhong)小(xiao)企(qi)业(ye)融(rong)资难融(rong)资贵(gui)问题，厦门(men)监(jian)管局依托“信用大数(shu)(shu)(shu)据(ju)(ju)(ju)+金融(rong)科(ke)技(ji)+普惠(hui)金融(rong)”模式，联(lian)合(he)市发改委(wei)建(jian)设中(zhong)小(xiao)企(qi)业(ye)融(rong)资信用“信易贷”平台(tai)，创新开展“首(shou)(shou)贷”和“续贷”服务，提升了诚信民(min)营企(qi)业(ye)融(rong)资的(de)可得性(xing)、便利性(xing)和普惠(hui)性(xing)。截至2023年(nian)末，厦门(men)市“信易贷”平台(tai)注(zhu)册企(qi)业(ye)6.2万家(jia)，入(ru)驻金融(rong)机构41家(jia)，累计(ji)撮合(he)融(rong)资1110亿元；首(shou)(shou)贷续贷服务中(zhong)心成功(gong)授(shou)信299笔，金额8亿元。去年(nian)，我(wo)们联(lian)合(he)市发改委(wei)以隐(yin)私(si)计(ji)算(suan)为路径，致力打(da)造厦门(men)特色“金融(rong)数(shu)(shu)(shu)据(ju)(ju)(ju)库”，在全国首(shou)(shou)创“信易贷”数(shu)(shu)(shu)据(ju)(ju)(ju)要素隐(yin)私(si)计(ji)算(suan)联(lian)盟，并开展三(san)年(nian)行动计(ji)划，实现政(zheng)府端“原始(shi)数(shu)(shu)(shu)据(ju)(ju)(ju)不(bu)出(chu)域(yu)、数(shu)(shu)(shu)据(ju)(ju)(ju)可用不(bu)可见”，银行端“标签(qian)数(shu)(shu)(shu)据(ju)(ju)(ju)和模型(xing)不(bu)出(chu)域(yu)、数(shu)(shu)(shu)据(ju)(ju)(ju)高效融(rong)合(he)计(ji)算(suan)”，支持银行用数(shu)(shu)(shu)需求的(de)定(ding)制化适配。

在利民(min)(min)(min)方面(mian)，为(wei)进一步做(zuo)好新(xin)市民(min)(min)(min)信(xin)用(yong)(yong)基(ji)础设施建设、金融产(chan)(chan)品(pin)服(fu)务(wu)(wu)创(chuang)新(xin)，厦门(men)监管局(ju)联(lian)合市发(fa)改(gai)委、信(xin)息(xi)中心(xin)等部门(men)建立新(xin)市民(min)(min)(min)金融服(fu)务(wu)(wu)平台(tai)(tai)(tai)，初步具备(bei)新(xin)市民(min)(min)(min)精(jing)准识别、信(xin)用(yong)(yong)评价、产(chan)(chan)品(pin)展示、线上(shang)交易(yi)等功能。会同(tong)市发(fa)改(gai)委依托厦门(men)市民(min)(min)(min)个人(ren)白鹭(lu)信(xin)用(yong)(yong)分数(shu)据开(kai)发(fa)新(xin)市民(min)(min)(min)精(jing)准识别标签管理(li)系(xi)统(tong)并(bing)投入应用(yong)(yong)。截至2023年末，该平台(tai)(tai)(tai)共为(wei)40家金融机构提(ti)供新(xin)市民(min)(min)(min)身(shen)份(fen)识别服(fu)务(wu)(wu)，累计调用(yong)(yong)量(liang)超过3184万(wan)次。同(tong)时，还推动(dong)新(xin)市民(min)(min)(min)金融产(chan)(chan)品(pin)在“白鹭(lu)分—新(xin)市民(min)(min)(min)专区”展示，初步建成了以“易(yi)创(chuang)业、易(yi)消费、易(yi)住房、易(yi)教育(yu)、易(yi)医疗、易(yi)养老”等板块为(wei)核(he)心(xin)的综(zong)合服(fu)务(wu)(wu)平台(tai)(tai)(tai)，向新(xin)市民(min)(min)(min)群体提(ti)供一站式特色金融产(chan)(chan)品(pin)。

《金融(rong)(rong)时报》记(ji)者：下阶段如(ru)何持续(xu)优化普惠(hui)金融(rong)(rong)工作质(zhi)效，助力做(zuo)好普惠(hui)金融(rong)(rong)大文章？

孙晓明：下一(yi)步(bu)(bu)，厦门(men)监(jian)管(guan)局将(jiang)优(you)化金(jin)(jin)(jin)(jin)融(rong)(rong)资源配置，引(yin)导(dao)(dao)(dao)金(jin)(jin)(jin)(jin)融(rong)(rong)机(ji)(ji)构(gou)为(wei)小微企(qi)业(ye)(ye)(ye)(ye)、涉(she)农经(jing)(jing)营主体(ti)(ti)(ti)、民(min)(min)营企(qi)业(ye)(ye)(ye)(ye)、新市(shi)(shi)民(min)(min)等(deng)重点帮扶群体(ti)(ti)(ti)提供(gong)高质量(liang)的(de)金(jin)(jin)(jin)(jin)融(rong)(rong)服(fu)(fu)务。一(yi)是督促金(jin)(jin)(jin)(jin)融(rong)(rong)机(ji)(ji)构(gou)围绕发(fa)展新质生产力的(de)要(yao)求，结合(he)厦门(men)市(shi)(shi)综合(he)改(gai)革试(shi)点工(gong)作(zuo)，聚焦厦门(men)“4+4+6”现代(dai)产业(ye)(ye)(ye)(ye)体(ti)(ti)(ti)系(xi)和(he)(he)先进(jin)制造(zao)业(ye)(ye)(ye)(ye)倍增计划，加强(qiang)对小微企(qi)业(ye)(ye)(ye)(ye)、涉(she)农经(jing)(jing)营主体(ti)(ti)(ti)等(deng)重点领域(yu)和(he)(he)薄弱环节的(de)金(jin)(jin)(jin)(jin)融(rong)(rong)支持，实现普惠信贷供(gong)给保量(liang)、稳价、优(you)结构(gou)。二是督促金(jin)(jin)(jin)(jin)融(rong)(rong)机(ji)(ji)构(gou)把握好支持民(min)(min)营经(jing)(jing)济系(xi)列金(jin)(jin)(jin)(jin)融(rong)(rong)政策(ce)导(dao)(dao)(dao)向(xiang)，逐(zhu)步(bu)(bu)提升民(min)(min)营企(qi)业(ye)(ye)(ye)(ye)贷款占比。为(wei)新时(shi)代(dai)厦门(men)市(shi)(shi)民(min)(min)营经(jing)(jing)济高质量(liang)发(fa)展提供(gong)更加有力的(de)金(jin)(jin)(jin)(jin)融(rong)(rong)支持。三(san)是以(yi)新市(shi)(shi)民(min)(min)金(jin)(jin)(jin)(jin)融(rong)(rong)服(fu)(fu)务平(ping)台为(wei)抓手，指导(dao)(dao)(dao)金(jin)(jin)(jin)(jin)融(rong)(rong)机(ji)(ji)构(gou)开发(fa)符(fu)合(he)不同(tong)行业(ye)(ye)(ye)(ye)、不同(tong)时(shi)期、不同(tong)应用场景的(de)新市(shi)(shi)民(min)(min)需求的(de)专属金(jin)(jin)(jin)(jin)融(rong)(rong)产品，持续(xu)完善新市(shi)(shi)民(min)(min)综合(he)金(jin)(jin)(jin)(jin)融(rong)(rong)服(fu)(fu)务体(ti)(ti)(ti)系(xi)，有效提升新市(shi)(shi)民(min)(min)金(jin)(jin)(jin)(jin)融(rong)(rong)服(fu)(fu)务水平(ping)。