■CUBN记者 郭安丽 北京报道

S CUBN reporter GuoAnLi reports from Beijing

　　7月25日，广东省政府在广州召开新闻发布会，向媒体发布《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《方案》）正式获批的消息。与温州金改方案相比，此次珠三角金改方案力度空前。广东省综合改革发展研究院副院长彭澎此前接受《中国联合商报》记者采访时表示，珠三角金融改革远超温州金融改革，“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”。

July 25,，The government of guangdong province held a news conference in guangzhou，Released to the media《The pearl river delta of guangdong province construction financial reform and innovation comprehensive experimental district overall scheme》（Hereinafter referred to as《scheme》）Officially approved news。And wenzhou gold compared to plan，The pearl river delta to plan an unprecedented gold efforts。Guangdong province comprehensive reform, vice President of the development research institute PengPeng previously accepted《China united commercial daily》The reporter said in an interview，The pearl river delta financial reform than wenzhou financial reform，“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”。

　　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%。

　　“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。”广东省金融办主任周高雄指出，珠三角金融改革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。”

“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 province, director of financial do kaohsiung points out that week，Financial reform is in the pearl river delta of guangdong area first try first policy advantage，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。”

　　《方案》由三大部分组成，既有城市金融改革创新综合试验，也有农村金融改革创新综合试验，还有城乡统筹发展金融改革创新综合试验，涉及金融市场、金融组织、金融产品等各个方面，另外还包括粤港澳、粤台和与东盟的金融合作内容。

《scheme》The three major components，Both city financial reform and innovation comprehensive test，Also has the rural financial reform and innovation comprehensive test，And the balanced urban and rural development financial reform and innovation comprehensive test，Involved in financial markets、Financial organization、Financial products and other aspects，Also, guangdong、Guangdong-taiwan and and the asean financial cooperation content。

　　具体在城市金融改革创新方面：加快建设现代金融市场体系；加快完善金融组织体系；加快金融产品和金融服务创新。重点是鼓励金融机构在有效防范风险的前提下，有序开发跨机构、跨市场、跨领域的金融业务。第四则是推动珠三角地区金融一体化发展。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。五是提升区域金融合作水平，支持粤港澳三地金融机构跨境互设机构等。深化泛珠三角金融合作和与东盟金融合作。六是进一步优化金融发展环境。包括加强金融法制建设、社会信用体系建设等。

Specific financial reform innovation in the city：Speed up the construction of the modern financial market system；Speeding up improving financial organization system；To speed up financial products and financial service innovation。Key is to encourage financial institutions in effectively guard against the risk of the premise，Orderly development across agencies、Cross market、Interdisciplinary financial business。The first four is the pearl river delta region to promote financial integration。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。Five is to promote the regional financial cooperation level，Guangdong province, Hong Kong financial institutions to support each other a cross-border institutions, etc。Deepening the pan pearl river delta and financial cooperation with asean financial cooperation。Six is to optimize the financial development environment。Include strengthening the financial legal system construction、The social credit system construction, etc。

　　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。

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。

　　在统筹城乡协调发展金融改革创新试验方面的主要内容有：一是探索城乡金融协调发展新机制，促进城市金融资源支持三农发展。重点有健全金融支持三农的财政激励政策和考核办法、创新三农信贷担保机构和推进银保合作、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等。二是加快形成支持城乡协调发展的金融服务体系。主要包括优化城乡金融机构网点布局、创新三农保险业务、推动城乡支付结算系统一体化等

In the coordination of urban and rural harmonious development financial reform and innovation of main content have test：One is to explore the coordinated development of urban and rural finance new mechanism，Promote the city financial resources to support agriculture, rural areas and farmers development。Key sound financial support of agriculture, rural areas and farmers fiscal incentives policy and the evaluation method、Innovation credit guarantee institutions to agriculture, rural areas and farmers and to promote the silver the 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, etc。Two is to speed up the formation of support coordinated development between urban and rural areas of financial service system。Mainly includes the optimization of urban and rural financial institutions site layout、Innovation agriculture, rural areas and farmers insurance business、Promoting urban and rural payments and settlement system integration, 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。