珠三角金改不断发酵，7月25日，《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》正式披露。

The pearl river delta gold change constantly fermentation，July 25,，《The pearl river delta of guangdong province construction financial reform and innovation comprehensive experimental district overall scheme》Formal disclosure。

　　这份由国务院批准，中国人民银行等八部委共同印发的方案给了广东省进行金融改革创新的尚方宝剑，主要由三大部分组成：在珠三角地区建设城市金融改革创新综合实验区，在环珠三角地区的梅州市建设农村金融改革创新综合实验区，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实验区。

The approval by the state council，The people's bank of China issued by the eight ministries of common in guangdong province plan to give financial reform ShangFangBaoJian innovation，Mainly by the three major components：In the pearl river delta region construction city financial reform and innovation comprehensive experimental plot，In the ring of the pearl river delta region meizhou construction of rural financial reform and innovation comprehensive experimental plot，In the ring of the pearl river delta, the construction of zhanjiang urban and rural development financial reform and innovation comprehensive experimental plot。

　　地方监管当局相关负责人解答疑问时透露，广东正创造条件鼓励银行机构从本地民营企业寻找战略投资者，为防控风险，监管部门会选择优质民营企业与银行合作。同时，广东将研究并在合适时机推出房地产投资信托基金和个人住房抵押贷款证券化业务，但这非一朝一夕可为。

Local regulators responsible disclosed answer the question，Guangdong is create conditions for the local banking institutions from private enterprise looking for strategic investors，For risk prevention，Regulators will choose the high quality private enterprises and bank cooperation。At the same time，Guangdong will study and in the appropriate time out real estate investment trust fund and individual housing mortgage-backed securitization business，But not for this jihadism。

　　记者另悉，广东省在跨境人民币贷款上已有所进展，越秀集团各子公司已与深发展(000001,股吧)银行确定开展6亿-7亿元左右的跨境融资合作。

Reporters are migrating to，Guangdong province in cross-border RMB loan has been progress，The corporation has and group yuexiu shenzhen development(000001,Shares it)The bank in 600 million-700 million to determine the yuan cross-border financing cooperation。

　　超越温州方案？ Beyond wenzhou scheme？

　　与此前温州、丽水金改方案相比，本次珠三角金改的内容在深度和广度、纵向和横向上都更进一步，对全国更具试验和示范意义。方案涉及金融市场、金融组织、金融产品等各个方面，亦有粤港澳、粤台和与东盟的金融合作内容。“温州能做的我们都能做，温州不能做的我们也能试。”广东省副省长陈云贤在6月底曾如此说。

With the previously wenzhou、Lishui gold compared to plan，The change in the pearl river delta gold content depth and the breadth、Longitudinal and transverse further on，More on national tests and demonstration significance。Programs involving financial market、Financial organization、Financial products and other aspects，Of guangdong, also have、Guangdong-taiwan and and the asean financial cooperation content。“Wenzhou can do we all can do，Wenzhou cannot do we can try。”ChenYunXian vice governor of guangdong province in late June had been so said。

　　在城市金融改革创新方面，《方案》提出加快完善金融组织体系，鼓励和引导民间资本进入金融服务领域；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；将深圳市保险改革试验区相关政策扩大到珠三角地区等。

Financial reform and innovation in the city，《scheme》Speeding up improving financial organization system put forward，Encourage and guide the folk capital into financial services；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 will expand to relevant policy the pearl river delta region, etc。

　　与温州相仿，广东的民间资本也十分庞大。广东省相关部门负责人在25日的发布会上称，广东的民间资金超过1万亿，规模大，隐患多，但处于可控制范围，有80%多的民间融资都流入了实体经济，能顺利理清合约。但广东对当前局面并不绝对看好，欲将民间资本动员起来，规范化和阳光化。

And wenzhou similar，Guangdong folk capital are so great。Relevant departments of guangdong province in 25 of the conference said，Guangdong folk capital more than 1 trillion，Large scale，Hidden trouble more，But in control，Have more than 80% of the folk flowed into the real economy is financing，Can smooth out the contract。But to the current situation of guangdong not only valued，To mobilize private capital，The standardization and sunshine。

　　近期广州民间金融一条街的开业即为显例。上述负责人表示，民间金融街集中了专门服务小型企业、服务三农的小金融机构，现在已经有30多家开业。“之所以集中做，第一是让企业知道到哪里找钱，第二是有钱借给人家的要接受监督，每天信息公开，如果交易违法就会立马得到控制。”他称，将对民间金融街经验进行总结，适当推广，这对民间融资发挥正面作用消除负面影响很有好处。

The recent financial street and the opening of guangzhou folk a typical example of which is。The chief said，The special service on folk financial street small enterprise、The three rural service of small financial institutions，Now has more than 30 home business。“Are concentrated do，The first is to let enterprise know where change，The second is for rich people to accept the supervision of lent，Every day the public information，If the deal illegal immediately get control。”He says，Will of the folk financial street experience were summarized in this paper，Suitable popularization，The folk financing play positive eliminate negative effect is very good。

　　广东银监局相关负责人表示，辖内城市商业银行总资本中，民间资本占29.3%，农村中小型机构的总资本中民间资本占87.8%，其中农村商业银行民间资本占89%，农村合作金融机构的民间资本占90%，村镇银行民间资本占57%。

Guangdong the CBRC officials say，Within the total capital city commercial Banks，Folk capital account for 29.3%，Small and medium-sized institutions of rural folk capital in total capital accounts for 87.8%，Including rural commercial bank folk capital account for 89%，Rural cooperative financial institutions folk capital account for 90%，Town folk capital bank accounts for 57%。

　　“希望通过加强监督引导，吸引民间资本的股东进入银行业。”上述人士称，银监部门会认真甄选，确保为银行引入优质的民营战略投资方。

“Hope that through strengthening supervision and guidance，To attract private capital into the banking industry of shareholders。”The person said the，Silver supervisor departments would seriously selection，To ensure the high quality for the bank into private strategic investors。

　　此外，副省长陈云贤曾在6月底广东省金融工作会议上称，广东将以大型金融企业为平台探索金融综合经营，条件成熟地区和单位要尽快向国家和有关部委申请，条件暂不成熟的要加快研究形成方案，争取创新早日突破，早出成效。

In addition，Deputy governor of guangdong province in late June ChenYunXian had financial work conference said，Guangdong will with large financial enterprise as a platform to explore the financial comprehensive operation，Conditions mature region and unit to state and relevant ministries as soon as possible to apply for，Conditions are not mature to speed up the research formation scheme，Early breakthrough for innovation，The early results。

　　民资阳光化与跨境资本流动齐行 What the sunshine with JiHang cross-border capital flows

　　试水跨境贷款 Try water cross-border loans

　　在城市金融改革之外，广东农村金改也引人注目。

In the city outside financial reform，Guangdong rural gold change also striking。

　　《方案》提出，培育完善农村金融要素市场，重点是国家政策范围内研究推进农村宅基地和土地承包经营权抵押贷款试点，放宽农村金融准入门槛，加快发展适合农村特点的村镇银行、贷款公司、农户资金互助社等新型金融机构（组织），探索一站式、社区型、综合化农村金融服务模式，创新农业保险产品和机制等。

《scheme》Put forward，Foster improve rural financial market factors，Focused on national policy research within the scope of rural residence and the contracted management of land mortgage pilot，Relaxing the rural financial barriers to entry，To speed up the development of rural villages in the bank for characteristics、Loan company、Farmers mutual funds and so on the new financial institutions（organization），Explore one-stop、community、Integrated rural financial service mode，Innovation of agricultural insurance products and mechanism, etc。

　　广东金融学院院长陆磊对宅基地抵押贷款给与极大关注。他表示，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，可将土地经营权变成抵押品，在市场上流转获得贷款资金，这一改革试点意义重大。

Guangdong financial, dean of the college of LiuLei homestead mortgages to give great attention。He said，House sites and made the contracted management of land in after the mortgage，Means farmers in the premise of losing land，But will the land management into foreclosure，In the market for a loan transfer funds，This reform pilot is of great significance。

　　在统筹城乡金融协调发展方面，《方案》要求创新“三农”信贷担保机制，大力推动银行和保险在涉农信贷领域的合作；建立现代农业股权投资基金、建立农副产品和水产品远期现货交易中心、建立城乡信用信息共享机制。

In the coordinated development of urban and rural finance，《scheme》Requirements innovation“Agriculture, rural areas and farmers”The credit guarantee mechanism，To encourage Banks and insurance in agricultural credit fields of cooperation；The establishment of a modern agriculture equity funds、Establish agricultural and sideline products and aquatic products forward spot trading center、Establish urban and rural credit information sharing mechanism。

　　梅州市金融局局长王伟明表示，梅州是农业大市以及广东的生态屏障，《方案》对梅州来说是“大机遇”，通过金融可以撬动农业做大做强。目前，梅州已经筹划并准备出台完整的实施方案，现阶段主抓两项工作：一是降低农村金融风险，二是降低百姓贷款的成本和难度。

Meizhou city, the secretary for financial WangWeiMing said，Meizhou agriculture area of guangdong is and ecological barrier，《scheme》Which it was“Great opportunity”，Through the financial can move agricultural bigger and stronger。At present，Meizhou have planned and prepared to come on stage the complete implementation plan，At this stage two work vice-governor：One is to reduce rural financial risk，The other is to decrease the cost of borrowing and difficult people。

　　与其他地区金改显著不同，珠三角金改将粤港澳金融合作列入统筹考虑范围。方案称，广东将鼓励扩大跨境人民币业务试点，稳健创新粤港澳三地人民币业务。

And other areas to gold significantly different，The pearl river delta of guangdong gold change will be included in the scope of overall consideration financial cooperation。Scheme say，Guangdong will encourage expand cross-border RMB business pilot，Robust innovation guangdong province, Hong Kong currency business。

　　深发展广州分行中层人士称，跨境贷款最为各银行机构关注，今年上半年，人民银行广州分行已将跨境人民币业务扩至部分资本项目，下发了跨境人民币业务融资指引。根据该指引，广东允许在粤港资企业和广东省内驻港企业通过香港母公司、分公司向香港银行申请人民币贷款用于广东省内项目。

Shenzhen development guangzhou branch according to people in the middle，Most Banks cross-border lending institutions concerned，In the first half of this year，The people's bank guangzhou branch has the RMB business expansion to part of cross-border capital projects，Issued a cross-border RMB business financing guidelines。According to the guide，Guangdong allow in guangdong province and guangdong endowment enterprise to Hong Kong enterprise through the Hong Kong parent company、Branch to Hong Kong bank for RMB loans for guangdong province project。

　　“我们行已经到人行报备，与越秀集团开展6亿到7亿的跨境融资合作。”但这名人士亦坦言，项目不好找，人行对此业务的要求较高，一般情况下国企才能申请，并且，“投注差”（外商投资企业投资总额与注册资本的差额，按现行有关外债管理规定，外商投资企业借用的外债规模不得超出其“投注差”）的规定对业务拓展造成很大限制。

“We do have to report for them，And in 600 million to 700 million yuexiu group of cross-border financing cooperation。”But a personage also said，Project not seek，Did the requirements of this business is higher，Usually state-owned enterprises to apply for，and，“Betting sent”（Foreign investment enterprise total investment and the registered capital the balance，According to the relevant existing external debt management regulations，Enterprises with foreign investment borrow not in excess of the scale of external debts“Betting sent”）The provisions of the business development caused great restrictions。

　　广东金融界一名分析人士称，跨境人民币贷款举措一旦落实，将进一步完善香港人民币资金回流渠道，但估计额度不大，民企难受益，监管政策如何应时而变，还有待观察。

Guangdong finance a analysts said，Cross-border RMB loan move once to carry out，Will further improve Hong Kong RMB funds backflow channels，But estimates that limit is not big，Corporation difficult to benefit from，How to YingShiErBian regulatory policy，Remains to be seen。