With the accelerated development of economic and financial globalization, China's financial industry is opening to the outside world, so it is very important to establish a perfect market competition mechanism. Actively guide the diversified and multi-level development of financial institutions, and form a pattern of competition between state-owned and non-state-owned, national and local, large banks and small and medium-sized banks, and banks and non-bank institutions. At present, China's state-owned commercial banks are in a dominant position. Supporting and encouraging small and medium-sized financial institutions with good development prospects and strong operational capabilities will help to form a good competitive mechanism, promote the improvement of the overall competitive level of the financial system, build an organic financial ecological chain, and form a benign competitive and cooperative relationship among financial institutions. The government should guide financial institutions to develop differentiated businesses in line with their core competitiveness in terms of policy inclination. While improving the banking unit, we will appropriately develop non-bank financial institutions, insurance, trust, leasing, credit guarantee, consulting, securities issuance, trading agent, capital operation, foreign exchange and other services. , including organizations, products, markets and other financial forms and their internal operating mechanisms, should be innovated and moderately innovated according to needs. In order to broaden the direct financing channels, we should vigorously cultivate capital markets such as stocks and bonds and build a multi-level financial market system suitable for China's economic development.

Form a symmetrical and mutually beneficial model of regional finance.

According to * * * fertility theory, symmetrical reciprocal fertility is the basic direction and law of the evolution of * * * fertility system, and the symmetrical reciprocal fertility state is also the best incentive compatibility state or the best resource allocation state. Therefore, promoting the formation of symmetrical and mutually beneficial health relations is an inevitable requirement for the development of any health system, including financial health system. In order to form symmetry and reciprocity in an organic financial market, all kinds of financial institutions should find the correct orientation and development direction through market segmentation, division of labor and cooperation, and thus find their own reasonable position in the fierce market competition and cooperation, which has become a necessary link in the organic financial ecological chain to improve the efficiency of their financial services.

Improve the regional financial ecological environment

First, strengthen the role of the government in promoting the construction of financial ecological environment. As an external public good, financial ecological environment has market demand, but the market mechanism is usually powerless on the supply side of financial ecological environment, so government intervention becomes a natural and inevitable choice. Moreover, the construction of financial environment involves many aspects such as local economy, finance, intermediary institutions, system, integrity and so on. It is important for local governments to optimize the financial ecological environment, and the responsibility also lies with local governments. The government must take the lead in organizing and playing its leading role. Governments at all levels should stand at a strategic height, earnestly strengthen organizational leadership, and take building a good financial ecological environment as an important responsibility of the government.

Secondly, a sound financial legal system is the guarantee for the healthy development of a country's financial ecology, which has been recognized internationally. At present, in view of the unsatisfactory social credit environment, serious transaction breach and moral hazard to a certain extent, it is necessary to revise and improve the existing laws such as contract law, bankruptcy law and company law as soon as possible, and introduce the bankruptcy law of financial institutions as soon as possible. At the same time, it is necessary to establish a deposit insurance system based on market principles and centered on protecting the interests of creditors. It is necessary to further improve and perfect accounting standards, standardize and improve the service behavior of social intermediary organizations, promote the transparency of accounting information of financial institutions, and make financial laws and regulations really play a powerful role in restraining illegal activities. Efforts should be made to optimize the financial judicial environment, continuously improve the filing rate, settlement rate and execution rate of financial cases, and support and maintain the construction and development of the entire financial ecology.

Finally, we should strengthen the construction of social credit foundation and credit system, and create an honest and trustworthy atmosphere and environment in the whole society. It is necessary to revise or establish the existing laws and regulations related to the social credit system, put all kinds of credit activities under the credit rules with strong binding force and mutual checks and balances, increase the punishment mechanism for dishonesty, and establish a penalty mechanism for breach of contract with increasing cost of dishonesty; It is necessary to speed up the construction of a national unified enterprise and individual credit information system, further improve the enterprise information system, give full play to the role of the enterprise credit information system in safeguarding financial claims, strengthen the loan inquiry of affiliated enterprises, and provide credit risk early warning information, thereby increasing financial transparency, reducing information asymmetry between financial institutions and loan enterprises, and minimizing financial risks; We should strengthen the education and cultivation of honesty and trustworthiness, and create an atmosphere and environment of honesty and trustworthiness in the whole society.

In addition, it is necessary to intensify efforts to standardize intermediary services, speed up the standardization of intermediary institutions, and improve the professional service level of intermediary institutions. Strengthen the construction of financing guarantee service platform, standardize the access, exit and internal control system of guarantee institutions, and improve the credit guarantee system of private small and medium-sized enterprises.