金融支持在高质量共建“一带一路”中发挥了重要作用。文章系统梳理了金融支持高质量共建“一带一路”的经验与挑战。研究发现，在金融支持共建“一带一路”的进程中，多边金融合作持续深化，金融支持体系不断健全，投融资项目稳步落地，且政策性银行、商业银行及保险机构协同发力，形成了多层次金融支持格局。但同时，外部地缘政治风险加剧、全球经济环境更趋严峻，加之共建国家内部金融资源配置不均衡、结构性发展赤字突出，使得高质量共建“一带一路”面临内外双重压力。今后可通过强化信息共享与安全评估、提供差异化多元化金融支持、创新金融资源配置机制以及着力构建多边金融协同机制等举措，以更系统、精准的金融供给，为高质量共建“一带一路”注入强劲动力。

Financial support has played a significant role in advancing high-quality Belt and Road Cooperation. This paper systematically reviews the experience and challenges of financial support for high-quality Belt and Road development. The study finds that, throughout this process, multilateral financial cooperation has deepened steadily, the financial support framework has been progressively strengthened, investment and financing projects have been steadily implemented, and policy banks, commercial banks, and insurance institutions have worked together to forge a multi-tiered financial support pattern. However, the intensification of external geopolitical risks, an increasingly challenging global economic environment, coupled with internal imbalances in financial resource allocation and acute structural development deficits among partner countries, have created dual pressures — both internal and external — for high-quality Belt and Road cooperation. Going forward, efforts should focus on strengthening information sharing and risk assessment, providing differentiated and diversified financial support, innovating financial resource allocation strategies, and building robust multilateral financial coordination mechanisms. These measures will enable more systematic and targeted financial supply, injecting strong momentum into high-quality Belt and Road cooperation.