党的十八大以来，习近平总书记深刻把握世情、国情、军情的变化以国家整 体发展和国防安全为基础，将军民融合确定为强军兴国的重要国策，并成为了习 近平总书记军民融合发展的重要思想。在全新的国际国内发展背景之下，军民融 合战略要求在发展的过程中实现国家富强与军队建设相统一，国家安全和深入发 展兼顾，实现全方位、多领域、广范围、高效益的全新军民融合发展格局。试图 打造一个多领域、全要素、高效益的军民深度融合格局。为了促进军民融合国家 战略的快速落地落实，金融体系必须要实现进一步的金融体制改革，提升金融服 务实体经济的整体效率，打造透明度极高的潜力市场，使债权股票的发行等遵循 更科学的制度，让融资比重更高，让杠杆率更低。部分民营企业会有军工行业的 业务，这是一个千载难逢的机会。军民的有效融合，可以给企业带来机遇，进一 步开拓市场范围与深度，从另外一个角度来说，全新的资本市场环境会给军民企 业带来更多前进的力量。 鉴于上述背景，本文就如何服务军民融合发展，推动专营金融机构健康发展 展开研究，研究中，文章以军民融合金融服务体系相关理论和国内外先进经验研 究为基础，通过走访调研，对绵阳市军民融合企业存在的融资问题进行梳理分析。 又对相关金融机构的服务现状进行梳理研究，分析当前相关金融机构在服务军民 融合企业上存在的困境及不足，研究中，作者通过梳理国内在金融专营机构如何 服务军民融合发展方面的先进经验和做法，并就对我国金融如何更好的服务军民 融合发展提供了借鉴和参考，最后文章重点就绵阳市金融专业机构在服务军民融 合的发展中的主要做法和事件展开分析，为深化本文研究的内容提供了有益的借 鉴。通过本文研究，一方面为探索我国金融机构更好服务军民融合发展提供了借 鉴和举措，另一方面也为推动军民融合和发展，创新金融专业机构的发展模式提 供了帮助。 关键词：军民融合；金融机构；绵阳市 II ABSTRACT SincetheEighteenthNationalCongressoftheCPC,GeneralSecretaryXi Jinpinggraspsprofoundlythechangesofsituationintheworld,thenationandthe army,takesintoconsiderationsimultaneouslythedevelopmentandsecurityinthe overallnationalstrategy,establishestheintegrateddevelopmentofmilitaryand civilianastheactionofrejuvenatingChinaandstrategyofstrengtheningthemilitary, makesaseriesofimportantstatementsanddecisions,andformsGeneralSecretaryXi Jinping’ssignificantstrategicthoughtsabouttheintegrateddevelopmentofmilitary andcivilian,which,underthenewcircumstances,requiresthesimultaneous considerationofdevelopmentandsecurity,theunionofenrichingthenationand strengtheningthearmyandthentheactualimplementationofitsdevelopmentunder theformationofitsdevelopingpatternofallelements,multiplefieldsandhigh efficiency.Inordertopushforwardtheenforcementoftheintegrateddevelopmentof militaryandcivilian,thefinancialservicesystemmustfurtheradvancetherevolution ofthefinancialinstitution,elevatetheoverallefficiencyofthesubstantialeconomyof thefinancialservice,createthepotentialmarketoffairlyhightransparency,makethe issuanceofbondsandstocksfollowmorescientificsystems,elevatethefinancing proportionandreducetheleverageratio.Ontheonehand,theintegrationofmilitary andcivilianprovidesahugebusinessopportunityforenterprisedevelopment,opening upalargermarket.Ontheotherhand,theinnovationandopeningupofthecapital marketprovidesastrongimpetusforthecompany'sdevelopment. Inviewoftheabovebackground,thispaperconductsresearchonhowtoserve theintegrationofmilitaryandciviliandevelopmentandpromotethehealthy developmentoffranchisedfinancialinstitutions.Inthestudy,thearticleisbasedon therelevanttheoriesofmilitary-civilianintegrationfinancialservicesystemandthe researchofadvancedexperienceathomeandabroad.Analysisofthefinancing problemsofenterprises.Italsocombstheresearchonthestatusquoofproductsand servicesofrelevantfinancialinstitutionsandanalyzesthecurrentdifficultiesand shortcomingsofrelevantfinancialinstitutionsinservingmilitary-civilianintegration enterprises.Inthestudy,thearticleisthroughthedomesticfinancialfranchise.How theorganizationservestheadvancedexperienceandpracticesintheintegrationof militaryandciviliandevelopment,andprovidesreferenceandreferenceforhow China'sfinancecanbetterservetheintegrationofmilitaryandciviliandevelopment. Finally,thearticlefocusesonthemainpracticesofMianyangfinancialprofessional III institutionsinthedevelopmentofmilitary-civilianintegration.Theanalysisofevents andeventsprovidesausefulreferencefordeepeningthecontentofthisstudy. Throughtheresearchofthispaper,ontheonehand,itprovidesreferenceand measuresforexploringthebetterserviceofthefinancialinstitutionsinChina,andon theotherhand,italsohelpstopromotetheintegrationanddevelopmentofmilitary andcivilian,andtodevelopthedevelopmentmodeloffinancialprofessional institutions. Keywords:military-civilianintegration；financialinstitutions；MianyangCity 目录 I 目录 摘要.......................................................................................................................................I ABSTRACT............................................................................................................................II 1绪论..................................................................................................................................1 1.1研究背景.....................................................................................................................1 1.2研究意义.....................................................................................................................2 1.2.1理论价值............................................................................................................2 1.2.2现实意义............................................................................................................2 1.3研究内容和方法.........................................................................................................3 1.3.1研究内容............................................................................................................3 1.3.2研究方法............................................................................................................3 1.4研究思路及技术路线..................................................................................................4 1.4.1研究思路............................................................................................................4 1.4.2技术路线............................................................................................................4 1.5研究创新及不足之处..................................................................................................5 1.5.1研究创新点.......................................................................................................5 1.5.2研究不足...........................................................................................................5 2文献综述.............................................................................................................................6 2.1国外研究现状..............................................................................................................6 2.2.1国外金融机构服务军民融合............................................................................6 2.1.2国外金融机构服务军民融合模式....................................................................6 2.2国内研究方面..............................................................................................................8 2.2.1军民融合产业发展方面....................................................................................8 2.2.2金融支持军民融合发展方面............................................................................8 2.2.3国外金融机构服务军民融合发展经验方面...................................................9 3研究理论基础...................................................................................................................11 3.1基本概念....................................................................................................................11 3.1.1军民融合的概念.............................................................................................11 3.1.2金融机构的概念.............................................................................................13 3.1.3服务军民融合发展的金融机构概念............................................