珠三角金改方案亮相

The pearl river delta gold change plan unveiled

　　广东多领域先行先试

Guangdong area first try first

　　将在梅州建设农村金融改革创新综合试验区，在湛江建设统筹城乡发展金融改革创新综合试验区，研究推进农村宅基地和土地承包经营权抵押贷款试点

Meizhou construction in rural financial reform and innovation comprehensive test，In the construction of zhanjiang urban and rural development financial reform and innovation comprehensive test，Promoting rural residence and the contracted management of land mortgage pilot

　　⊙记者 朱文彬 ○编辑 颜剑

Reporter ZhuWenBin ○ ⊙ YanJian editor

　　25日，备受关注的《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》由广东省政府正式公布。

25，Of concern《The pearl river delta of guangdong province construction financial reform and innovation comprehensive experimental district overall scheme》By the guangdong government official。

　　专家和业内人士认为，这是目前国内金融改革中覆盖内容广泛、涉及范围大的金融改革方案，广东将在民间资本进入、农村金融改革、粤港澳金融合作等多领域先行先试。

Experts and insiders，This is the present domestic financial reform covering the content is extensive、The range of big financial reform plan，Guangdong folk capital into in、Rural financial reform、Guangdong financial cooperation in first try first。

　　据介绍，《总体方案》主要由三大部分组成，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。

According to introducing，《The overall design of》Mainly by 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。

　　鼓励和引导民资进入金融服务领域 Encourage and guide into what was in financial services

　　在《总体方案》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。同时，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探索资本项目可兑换的先行试验；并将深圳市保险改革试验区相关政策扩大到珠三角地区等。

in《The overall design of》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。At the same time，Do 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 explore capital project convertible first test；Shenzhen insurance reform region and relevant policies to expand the pearl river delta region, etc。

　　广东银监局副局长何晓军说，民间资本已经成为投资组建村镇银行的重要力量。截至5月，广东省共组建村镇银行24家，已开业的21家村镇银行共吸引177家民营企业入股，投资金额达18.43亿元，占村镇银行注册资本总额的50%以上。

Guangdong the CBRC, deputy director of the HeXiaoJun said，Private capital investment has become an important force in a town bank。As of may，A bank of guangdong province town 24，Already opened 21 home town attracted 177 house bank private enterprise shareholder，Investment amount of 1.843 billion yuan，Bank of villages total registered capital of more than 50%。

　　农村宅基地有望进行抵押贷款 Rural residence on mortgage loans is expected to

　　《总体方案》提出要培育完善的农村金融要素市场，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；创新农村金融服务体系，深化农村信用社改革、放宽农村金融准入门槛等；推进统筹城乡协调发展金融改革创新综合试验等。

《The overall design of》Puts forward to want to cultivate the perfect rural financial market factors，Promoting rural residence and the contracted management of land mortgage of pilot projects；Innovation of rural financial service system，Deepen reform of rural credit cooperatives、Relaxing the rural financial barriers to entry, etc；Promoting coordinated development between urban and rural areas as a whole financial reform and innovation comprehensive test, etc。

　　广东金融学院院长陆磊称，宅基地和土地承包经营权在确权后进行抵押贷款，意味着农民在不失去土地的前提下，也可以将土地经营权变成抵押品，在市场上流转获得贷款资金，下一步甚至可以考虑资本化、证券化，保留农民对土地的“长久收益权”。

Guangdong financial, dean of the college of LiuLei says，House sites and made the contracted management of land in after the mortgage，Means farmers in the premise of losing land，Can also land management will become collateral，In the market for a loan transfer funds，The next step can even consider capitalization、securitization，Keep farmers to land“Long-term earnings”。