Promoting the balanced development of finance and the real economy is an important deployment made by the Party Central Committee for the financial reform and development during the "14th Five-Year Plan" period. How to achieve the balanced development of finance and the real economy? I think it is necessary to build a symbiotic and co-prosperity relationship between finance and the real economy.1. Co-existence and co-prosperity is the goal of balanced development of finance and the real economyFinance serves the real economy, and then shares the fruits of the development of the real economy, thereby promoting the further development of finance itself.2. Commensalism is the main obstacle to the balanced development of finance and the real economyCommensalism is the relation between two different kinds of organisms in which one receives benefits from the other by causing damage to it. It is unsustainable for finance to deviate from serving the real economy.3. Interest adjustment is the key to the balanced development of finance and the real economyThrough the calculation of China's A-share listed companies in 2019, we found that the return on net assets of finance is 4.95% higher than that of the real economy, which indicates that the interest structure between China's finance and the real economy is in urgent need of adjustment.4. The basic idea of interest adjustmentThere are two ways to adjust the benefit-sharing relationship between finance and the real economy. One is to lower the price of financial services, and the other is to relax the entry barriers of the financial industry and suppress monopoly premiums through competition.
