林小昭 秦丽萍

LinXiaoZhao QinLiPing

　　广东省25日召开新闻发布会介绍日前获批的《广东省建设珠江三角洲金融改革创新综合试验区总体方案》（下称《方案》）的总体情况。

Guangdong 25, held a press conference to introduce has approved《The pearl river delta of guangdong province construction financial reform and innovation comprehensive experimental district overall scheme》（Said the《scheme》）Overall situation of。

　　《方案》由三大部分组成，一是在珠三角地区建设城市金融改革创新综合试验区，二是在环珠三角的梅州市建设农村金融改革创新综合试验区，三是在环珠三角的湛江市建设统筹城乡发展金融改革创新综合试验区等。

《scheme》The three major components，One is in the pearl river delta region construction city financial reform and innovation comprehensive test，Second, in the ring of the pearl river delta meizhou construction of rural financial reform and innovation comprehensive test，Three in the pearl river delta is ring zhan jiang city construction coordination of urban and rural development financial reform and innovation comprehensive test, etc。

　　按照《方案》，珠三角金融改革的主要目标是：至2015年，金融产业发展成为广东省内国民经济的支柱产业，金融业增加值占广东GDP比重达8%以上；2020年达10%以上。

According to《scheme》，The main aim of the pearl river delta financial reform is：To 2015，The financial industry development becomes guangdong province is a pillar industry of the national economy，The financial industry sector accounted for guangdong GDP of more than 8%；2020 years of more than 10%。

　　与温州金改方案相比，此次珠三角金改方案力度空前。广东省金融办主任周高雄指出：“珠三角金融改革创新综合试验区的规划设计，是目前国内金融改革中覆盖内容最广、涉及范围最大的金融改革方案，是广东利用试验区先行先试政策优势，推动金融领域进一步开放、建设现代金融体系以及解决中小微企业融资难、融资贵等问题率先开展的探索。”

And wenzhou gold compared to plan，The pearl river delta to plan an unprecedented gold efforts。Guangdong province, director of financial do kaohsiung points out that week：“Financial reform and innovation in the pearl river delta to the planning and design of the comprehensive experimental，Is the present domestic financial reform in the cover story is the most widely、The range of the largest financial reform plan，Guangdong is using experimental first try to advance policy advantages，Promoting financial further open field、Modern financial system construction and solve the small and medium-sized enterprise financing micro、Financing problems such as your spearheaded exploration。”

　　“温州毕竟只是一个点，而我们是一个区域。珠三角金改方案获批意味着中国金融改革由点扩展到面。”广东省综合改革发展研究院副院长彭澎对《第一财经日报》表示，温州民间借贷发达，温州金改着眼于让民间借贷浮上合法水面，而珠三角金改则更加全面，“要求和目的完全不同”。

“Wenzhou, after all, is only a point，And we are an area。The pearl river delta gold change means that China approved plan financial reform by point spread to face。”Guangdong province comprehensive reform, vice President of the development research institute of PengPeng《The first financial daily》said，Wenzhou folk lending developed，Wenzhou gold to focus on folk lending to float on the water legal，And the pearl river delta is more comprehensive to gold，“Requirements and purpose is completely different”。

　　例如，在跨境人民币贸易方面，《方案》要求，要做好跨境贸易人民币结算试点工作，逐步扩大人民币在境外的流通和使用，在横琴新区和前海地区开展探索资本项目可兑换的先行试验，稳步开展港澳直接投资人民币结算等。

For example，Cross-border trade in RMB，《scheme》requirements，To do well the cross-border trade RMB settlement of pilot projects，Gradually expand the RMB in the circulation and use of overseas，In the new city and sea areas before hengqin on exploring capital project convertible first test，In Hong Kong and Macao steadily direct investment RMB, etc。

　　彭澎指出，金融改革是经济体制改革最深层次的方面，我国要开放金融业，必须先进行金融体制的深入改革。广东毗邻港澳，跨境人民币结算更为突出，成为人民币国际化的前沿阵地。通过与港澳的金融合作，广东也是中国金融和国际金融融合的第一个交叉点，可以为全国金融改革和今后开放探索一些经验。

PengPeng points out that，Financial reform is the deepest of the economic system reform，To open the financial industry in our country，Must go to the financial system reform。Guangdong adjacent to Hong Kong and Macao，Cross-border RMB is more outstanding，Be the forefront of RMB internationalization。Through the financial cooperation with Hong Kong and Macao，Guangdong is also China's financial and international financial fusion first intersection，The national financial reform and for future exploration open some experience。

　　对于同样民资丰富的广东而言，《方案》提出加快建设现代金融市场体系，构建多层次资本市场，鼓励和引导民间资本进入金融服务领域等。

For the same as what abundance of guangdong，《scheme》Puts forward speed up the construction of the modern financial market system，Establish multi-tiered capital market，Encourage and guide the folk capital into financial services, etc。

　　广东银监局副局长何晓军昨日介绍，广东的步伐在全国已走得较快。据初步统计，广东辖内城市商业银行总股本中，民间资本占比29.3%，其中，去年成立的广东华兴银行，民营企业资本占其总股本的六成，广东南粤银行经过增资扩股，民间资本持股比例已经上升到75%。广东辖内农村中小金融机构总股本中，民间资本占比87.8%，其中农村商业银行民间资本占比89%，农村合作金融机构的民间资本占90%，村镇银行的民间资本占比达到57%。

Guangdong the CBRC, deputy director of the HeXiaoJun introduced yesterday，The pace of guangdong province in the country already go faster。According to preliminary statistics，Guangdong within the total stock of city commercial Banks，Folk capital accounts for more than 29.3%，Among them，Established last year guangdong huaxing bank，The private enterprise capital of its total equity of sixty percent，Guangdong nan yue bank after increase endowment spread，Folk capital holding ratio has risen to 75%。Guangdong rural within small and medium sized financial institutions in the total equity，Folk capital accounts for more than 87.8%，Including rural commercial bank accounts for more than 89% of folk capital，Rural cooperative financial institutions folk capital account for 90%，The town folk capital bank reached 57%。

　　不过民间资本要进入金融领域还存在不小门槛。“很难获得审批。”广州市民间投资协会会长吴柏告诉本报，要解决经济困难，要把民间资本的积极性用好。但目前只有类似村镇银行、小额贷款公司对民间资本相对放开了一些，而要做募集式的机构如区域银行，几乎没有可能。“我们光成立一个民间科技基金都要大半年的时间。”

But private capital to enter into the financial sector there is quite a threshold。“Hard to get approval。”Guangzhou private investment in the WuBai association, told xinhua，To solve economic difficulties，The enthusiasm of the private capital with good。But at present, only similar town bank、Microfinance company on private capital relative to release the some，And to do raise type of organizations such as regional Banks，Is almost impossible。“We light a folk science and technology fund was established to the redeemed time。”

　　何晓军说，监管部门希望通过监管引导，积极吸引民间资本的股东进入银行业，现在在创造条件，鼓励银行从民营机构中挑选战略投资者，尤其是本地法人机构。监管部门也会对此进行密切监控，仔细甄选以确保引入优质的民营战略投资方。为银行业今后的改革、提高银行业的活力和为实体经济服务的能力做更多的事情。

HeXiaoJun said，Regulators want through the regulatory guidance，Actively attract private capital into the banking industry of shareholders，Now in the create conditions，Encourage Banks from private institutions in select strategic investors，Especially the local legal institutions。Regulators also will have to close monitoring，Careful selection to ensure high quality of strategic investors into private。For the reform of the banking industry in the future、Improve the vigor and the ability of the economy to service to do more things。

　　值得注意的是，在农村金融改革创新方面，《方案》提出在国家明确试点范围、条件及抵押登记、期限和抵押权实现等具体政策基础上，研究推进农村宅基地和土地承包经营权抵押贷款试点工作。

Note the，In rural financial reform and innovation，《scheme》Put forward in the countries explicitly the scope、Conditions and the mortgage registration、Time limit and mortgage realization based on specific policy，Promoting rural residence and the contracted management of land mortgage of pilot projects。

　　在广东省金融学院县域经济发展研究所所长杨公齐看来，土地抵押权贷款银行未必会认，因为抵押的只是土地的使用权，而这个使用权通常都比较短。而要有实际意义的话，必须是要有长时间的使用权，只有这样才能实现土地资本化和规模化经营。

Financial institute in guangdong province, director of the development of county economy YangGong's opinion，Mortgage loan bank land may not necessarily beyond recognition，Because mortgage is the use right of land，And the use right is always short。But if it is of practical significance，Must have a long time is to the right of use，Only in this way can we achieve land capitalization and scale。