Current，my country's economy is in a transformation method、Optimize the economic structure、During the period of transitional growth momentum。Since the promulgation of the "Financial Industry Standard System Construction Development Plan (2016-2020)"，The overall standard level of the financial industry has improved significantly，Regional financial development shows a trend of stable and sustainable，Regional financial risks are effectively controlled。Promote and guarantee the sustainable development of regional finance，To ensure the smooth operation of finance in various regions，The overall optimization of the financial structure and the financial system，It has very important practical significance。

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　　The so -called financial sustainable development，refers to financial resources with relative system independence，Under the premise of following the objective law of financial development，The process of its development and utilization must not only meet the needs of the long -term effective operation and development of financial and economy in the generations，No restrictions on the operation of intergenerational finance and economy，Digital intergenerational transmission continuous、Stable、Fair development mode。The core of the sustainable development of regional finance is the development of sustainable utilization and intergenerational fairness in a specific area。This model is for improving my country's socialist market economy、Promoting the coordinated development of regional economy is very important strategic significance。

In macro,，Sustainable development of regional finance is conducive to preventing and resolving regional financial risks，Maintain the regional Bet365 app download financial system stable，It is also a further supplement to the connotation of the sustainable development of the regional economy and extension。The financial system is not a closed system，Financial risks in some areas will affect the surrounding areas through various conduction mechanisms。If there is an unsustainable problem with financial development in a region，Then the problem of sustainable development of the local economy is not solved，Even the entire financial system fluctuates and crisis，Economic and social development that affects the country。

Micro -level，Sustainable development of regional finance is an important guarantee for achieving a win -win prosperity of bet365 best casino games financial institutions and enterprises。Financial institutions and enterprises as the main body of regional financial activities，Its efficient development and reasonable allocation of resources requires resources。Especially under the current situation，Small and micro enterprises in underdeveloped areas are relatively weak，It is difficult to raise sufficient funds supply in developed areas，Its development requires a sound financial system and a complete financial mechanism，These are the constituent elements and internal requirements of the sustainable development of regional finance。So，Realizing the sustainable development of regional finance is also the common will of micro -financial behavior.，Vigorously promote the sustainable development of regional finance in my country to provide excellent external conditions for the high -quality and sustainable development of the economy。

　　Sustainable development of regional finance faces challenges

　　Although the momentum of the sustainable development of regional finance in my country is better，But due to the different levels of economic development and sensitivity to financial policy，The capacity of external financial support is strengthened and the internal financial carrying capacity is still insufficient，The level of the sustainable development of regional finance in my country is different、The difference is obvious。

First，The imbalances of the distribution of bet365 best casino games financial institutions and the imbalance of financial product supply structure。According to the "China Regional Financial Operation Report (2020)" display，In 2019，and only 22,000 in the Northeast region，The distribution of regional financial institutions presents a large imbalance，The proportion of state -owned banks in the underdeveloped region of economy is too large, and the development of legal enthusiasts in the region，Lack of sufficient financial institution resources for efficient allocation。The same imbalance in the supply structure of the financial product is obvious: the light currency of capital in the financial market，heavy indirect financing light and direct financing; heavy stock light bonds in the capital market; heavy national bonds light corporate bonds in the bond market。These have laid hidden dangers for the failure and inefficient of the financial market mechanism，The unhealthy non -balanced development trend of the supply structure of financial products makes it difficult for financial risks to control。

Next，Credit lack still exists。A good credit environment and credit reporting system is an important guarantee for the sustainable operation of bet365 best casino games financial institutions，If the financial institution cannot fully understand the credit status of the believers，The uncertainty of the expectations of credit defaults will greatly increase。2019，The scale of new breach of default bonds increased by 5.13%compared with the end of the previous year。Not only that，Credit defaults will also greatly reduce the intervention effect of macro -control policy tools，Further so that the financing efficiency between financial institutions and enterprises is low，The living environment of financial institutions is difficult，Increasing the difficulty of achieving the sustainable development of regional finance。

Last，The level of science and education development in various places、Information Development、Traditional culture and customs have Bet365 app download a large difference，Different financial external environment has an important impact on the implementation of financial policies，so as to make the external support of the financial policy generated。Most of the current regional financial sustainable development measurement indicators system only considers financial indicators，but failed to consider factors such as science and education level and cultural development level.，So as to calculate the impact of financial policies on the local economic and financial environment, it will cause deviations。More importantly，It is difficult to accurately measure the sustainable development status of different regions，Difficulty in intervention in regional financial policy support。

　　Precise policy promotes the sustainable development of regional finance

Achieving the sustainable development of regional finance is to achieve stability of regional finance in my country、Important content to promote high -quality economic development，Precise policy promotion to the sustainable development of regional finance can be made from the following aspects。

First, to promote the multi -level cross -regional development of financial organizations，Improve the financial market system，Give full play to the role of financial resources，Sustaining the sustainable operation of the regional financial ecosystem。

Complete and multi -level financial organization system is the focus of regional financial sustainable development，Guide the diversified development of bet365 best casino games financial institutions in various places，Promote the establishment of a state -owned and non -state -owned local legal person bank、Banks and non -bank financial institutions such as diversified financial subjects compete together。Formulate regional financial sustainability planning according to the current status of financial development in the region。All places can encourage and support those development prospects、Small and medium -sized financial institutions with strong operating ability，Actively regulate financial services from financial institutions bet365 live casino games such as local urban commercial banks，Promote the overall competition level of the local banking system。At the same time，Local governments should support local commercial banks to implement non -performing assets、Improve the company's governance structure、Establish a reform plan in the incentive restraint mechanism，Coordinate solving the difficulties and problems faced by financial institutions in different places in local business operations。

Second is to strengthen credit problems，Establish a comprehensive credit reporting platform。

A good social credit environment can provide necessary external conditions for the sustainable development of regional finance。First of all, to improve the construction of the credit system，Improve credit registration system、Credit evaluation system and credit risk early warning mechanism。Local governments can help the construction of the credit information platform of bet365 best casino games financial institutions，Financial enterprises should timely exchange taxes with government departments、Justice、Social Security and other related information，Solving the problem of asymmetric information of the information of the borrowing parties during the credit reporting process。Followed to strengthen the construction of social credit awareness。Strengthen publicity and education on credit，Increases the public's understanding of regional financial ecosystems and related laws and regulations，To increase sanctions on the wrongdoing enterprises and individuals。Finally, we must focus on strengthening credit management，Improve the relevant laws and regulations of financial business，Create a good ecological environment for regional financial development。Build a complete credit management legal system，Constantly improving the "Property Law" and "Administrative Measures for the Management of Credit Guarantee funds for SMEs" and other legal system，System environment bet365 live casino games for further improvement and maintaining the sustainable development of regional finance。

Third is to increase culture、Input in public infrastructure such as science and education，Establish a complete regional financial sustainable development standard。

Culture、Basic public services such as science and education are external forces that support the sustainable development of regional finance，High education level can not only improve the professional literacy of regional financial practitioners，At the same time, it helps to reduce the irrational behavior of financial consumption in the region，Therefore, the probability of the occurrence of regional financial risks to a certain extent。other，Comprehensive infrastructure construction can accelerate the flow of physical capital，enable regional financial centers to play a better radiation effect，Improve the degree of interest in rural inclusive financial，Further enhance the ability of the regional financial development service regional real economy。At the same time，Expansion of the connotation of the sustainable development of regional finance，Economic indicators、The level of infrastructure construction、The level of improvement of basic public services and other indicators join the regional financial sustainable development index system construction，Against the system that is completely evaluated with financial indicators，Establish a more complete financial sustainable development index system。The new regional financial sustainable development index system can not only highlight the concept of sustainable development，Based on this, it provides more targeted policy suggestions for the sustainable development of regional finance in various regions。

　　(Author Unit: College of Finance at Shandong University of Finance and Economics)