本报讯 《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》（以下简称《总体方案》）昨日正式出炉，中国金融改革开放再次向前迈步。广东省金融办主任周高雄在当天的新闻发布会上表示，珠江三角洲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泛、涉及范围最大的金融改革方案。

Report from our correspondent 《The pearl river delta of guangdong province construction financial reform and innovation comprehensive experimental district overall scheme》（Hereinafter referred to as《The overall design of》）Officially released yesterday，China's financial reform and opening move forward again。Guangdong financial do director weeks kaohsiung on the day of the news conference said，The pearl river delta financial reform and innovation of the comprehensive experimental design，Is the present domestic financial reform the most widely covered in content、The range of the largest financial reform plan。

　　“珠三角金改综合试点内容更为系统，覆盖面更广、层次也更高，更像是针对目前我国整个经济形势进行的试点。”南京证券宏观经济研究员张文刚对《大众证券报》表示，因此金改综合试点应该更多考虑的是解决经济深层次的问题，这也看出温州吹响金融改革创新的第一声号角之后，试点在向纵深发展(000001,股吧)。

“The pearl river delta gold to pilot content more comprehensive system，Much broader、Higher levels，More like based on the current situation of the whole economic situation pilot。”Nanjing securities macro economic researchers to ZhangWenGang《Public stock certificate report》said，So gold comprehensive pilot should change more consideration is solving the economic problems in depth，This also see that wenzhou blew the first sound of financial reform and innovation after horn，The pilot in the further development(000001,Shares it)。

　　由国务院批准并由中国人民银行等八部委共同印发的《总体方案》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。

Approved by the state council and the people's bank of China and other eight ministries and common《The overall design of》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。

　　值得注意的是，《总体方案》还要求推动珠三角地区金融一体化发展，并提升粤港澳台区域金融合作水平。前者重点包括建设错位发展、功能互补的广州、深圳区域金融中心，以广东金融高新技术服务区为基础建设辐射亚太地区的现代金融产业后援服务基地，在中山开展城乡金融基础服务一体化试点，逐步推动珠三角地区金融基础设施建设、金融监管一体化。此外，还要提升区域金融合作水平。后者重点有在政策允许范围内支持符合条件的在粤金融机构和企业赴港上市、发行人民币债券、信托投资基金，稳步开展港澳直接投资人民币结算。

Note the，《The overall design of》Also requires the pearl river delta region to promote financial integration，And to improve the level of guangdong, a regional financial cooperation。The former highlights include the construction development dislocation、The guangzhou complementary functions、Shenzhen regional financial center，In guangdong financial high-tech service area for infrastructure radiation in the Asia Pacific region modern financial industry backup service base，In the urban and rural financial foundation in zhongshan service integration pilot，Gradually advance the pearl river delta region financial infrastructure construction、Regulation of the financial integration。In addition，Also promoting the regional financial cooperation level。The latter is key in policy allows limits support to meet the conditions in guangdong financial institutions and enterprises listed in Hong Kong、The issuance of RMB bonds、Investment trust funds，In Hong Kong and Macao steadily direct investment RMB。

　　张文刚认为，从一系列金改试点来看，国家金改方面的总体思路和方向应是基于几点：一是探索创新服务实体经济的方式，为经济转型、产业升级找到金融支持路径，其中着力解决中小企业、民营企业融资难的问题；二是针对中小企业形成独特的市场化利率，并为民企、中小企业能够接受，改变过去其被动接受民间借贷高利率的状况；三是激活沉淀在民间的资金，在不继续扩大货币投放量的前提下，加快存量货币的流动速度，提高资金的使用效率。

ZhangWenGang think，From a series of gold reform and see，National gold in the overall thinking and change direction should be based on time：One is to explore the innovation service entity economy way，For the transformation of the economic、Industrial upgrading find financial support path，Among them is to solve small and medium-sized enterprises、The private enterprise financing difficult question；2 it is for small and medium-sized enterprises to form unique market interest rates，And for corporation、Small and medium-sized enterprises can accept，Change the past its passive acceptance of the status of folk lending interest rates；3 it is activated in folk capital deposits，In not continue to expand currency under the premise of data，The flow of money to speed up stock speed，Improve the efficiency in the use of funds。

　　珠三角金改综合试点的正式获批对金融业的影响上，大同证券(博客,微博)高级投资顾问刘云峰认为，机会大于挑战，尤其是券商、保险以及各种新型金融机构等非银行金融机构将受到长期利好，特殊的政策，以及新产品、服务将为其带来新的增长点。“例如试点中将深圳市保险改革试验区相关政策扩大到珠三角地区，赋予相应的保险创新便利，这对保险公司非常有利。”

The pearl river delta to the comprehensive pilot gold officially approved the impact of the financial industry，Datong securities(blog,Micro bo)Senior investment advisers LiuYunFeng think，Opportunity than challenges，Especially brokers、Insurance and all kinds of new financial institutions, etc non-bank financial institutions will be good for a long time，Special policy，, and new products、The service will lead to their new growth point。“For example in shenzhen insurance reform pilot test policies expanded to the pearl river delta region，Give the corresponding insurance innovation is convenient，The insurance company very favorable。”

　　“金改概念股有望再迎来一波行情，特别是券商、保险等金融股和珠三角本地股。其中券商，以及珠三角本地金融股，参股、投资新型金融机构的本地上市公司，可能首先获得追捧。”但刘云峰也提醒，由于珠三角金改试点出台此前已有预期，加上涉及面很广，刺激力度可能有所弱化，特别是珠三角本地股很多，并非都会有所表现。 记者 陈刚

“Gold is expected to change the concept in a wave of market again，Especially brokers、Insurance and other financials and local stocks in the pearl river delta。Which brokers，The pearl river delta and local financial，shares、New investment of financial institutions in the local listed companies，May first get demand。”But LiuYunFeng also remind，Because of the pearl river delta gold reform have been aired before on expectations，Add a wide range，Stimulus efforts may be weakening，Especially in the pearl river delta local shares a lot，Will not showed。 Reporter Chen just just