据新华社电 党的十六大以来，我国金融体制改革不断深化：从大型商业银行股份制改革启动到全面完成，从农村信用社改革深入推进到政策性银行等其他银行业金融机构改革有序推进，从人民币汇率形成机制改革实施到开展跨境贸易人民币结算，从上市公司股权分置改革到创业板登陆，保险业改革深入推进……

According to xinhua since the 16 th CPC national congress，China's financial system reform：From the big commercial Banks start to stock reform completed，From rural credit cooperatives reform further to the policy Banks and other financial institutions in the banking sector reform pushed forward，From the reform of the RMB exchange rate regime implementation to carry out cross-border trade RMB，From listed company equity division reform to gem landed，The reform of the further...

　　银行业是我国金融业的主体。银监会有关负责人表示，银行业金融机构通过持续深入改革，在公司治理、风险管理和资本约束等体制机制上取得显著进步，银行业资本实力、资产质量和拨备水平不断提升，整体实力和抗风险能力显著增强。

The banking sector is the main body of finance industry in our country。A head of the banking regulatory commission (CBRC) said，Banking financial institutions through the continuous reform，In company management、Risk management and capital constraints and the mechanism of system has achieved remarkable progress，Banking capital strength、The quality of the assets and dial improve for level，Overall strength and ability to resist risks enhanced markedly。

　　统计显示，截至2011年底，我国银行业金融机构总资产达113万亿元，为2003年底的4.1倍；不良贷款率从2003年底的17.8%降至2011年底的1.8%；资本充足率和核心资本充足率升至12.7%和10.2%；商业银行平均拨备覆盖率达278.1%。

Statistics show that，By the end of 2011，Our country banking financial institutions total assets of 113 trillion yuan，At the end of 2003 to 4.1 times；Bad loans from the end of 2003's 17.8% to 1.8% by the end of 2011；Capital adequacy ratio and core capital adequacy ratio to 12.7% and 10.2%；Commercial Banks for average dial coverage rate of 278.1%。

　　近年来，债券、货币、外汇、黄金和金融衍生品等市场建设全面推进，金融市场体系配置资源和服务实体经济的能力不断增强。

In recent years，bonds、currency、Foreign exchange、Gold and financial derivatives market construction promoting，Financial market system configuration resources and services of the real economy and increased the capacity。

　　改革是促进金融业发展壮大的动力源(600405,股吧)泉，也是增强抗风险能力的必由之路。对于下一步改革，中央明确指出，深化金融改革，坚持金融服务实体经济的本质要求，坚持市场配置金融资源的改革导向，坚持创新与监管相协调，同时把防范化解风险作为金融工作的生命线。

Reform is to promote the financial industry development and expansion of the power supply(600405,Shares it)springs，Also is the only way of increase its ability to resist risks。For the next reform，The central explicitly pointed out that，Deepening financial reform，Insist on financial services to the real economy essential requirements，Insisting on market allocation of financial resources in reform orientation，Insist on innovation and regulatory coordination，But at the same time, prevent and eliminate risk in financial work as a lifeline。