高云龙：“十二五”时期，是青海省经济社会实现“跨越发展、绿色发展、和谐发展、统筹发展”的关键时期，是加快经济发展方式转变、全面建设小康社会的攻坚时期，是金融业深化改革、创新服务、跨越发展的重要时期。因此，我们要以优化金融生态环境为基础，以推动金融改革创新为动力，以强化监管和优化服务为保障，大力发展金融业，完善金融市场体系，提高金融要素集聚水平和配置能力，努力把青海省建设成青藏高原金融发展的繁荣区、金融生态环境的优质区和金融运行的安全区。到2015年，力争全省金融业增加值占GDP比重达到6%。

GaoYunLong：“1025”period，Qinghai province is achieve economic and social“Spanning development、Green development、Harmonious development、Overall development”The key period of，Is to accelerate the economic development mode change、The comprehensive construction well-off society's crucial period，The financial industry is deepening reform、Innovation service、An important period of development of the cross。so，In order to optimize the financial ecological environment as the basis，In order to promote the reform of financial innovation as a driving force，To strengthen supervision and optimization services for security，Vigorously develop the financial industry，Perfect financial market system，Improve the financial elements agglomeration and configuration ability level，The construction of qinghai province to the qinghai-tibet plateau of financial development to boom、Financial ecological environment quality area and financial operation of the safety zone。By 2015，The financial sector to sector accounted for 6% of the total GDP。

　　青海省是西部落后省份，我们必须牢固树立自信开放创新的青海意识，积极践行“五个特别”的青藏高原精神、“人一之，我十之”的实干精神，抓住当前经济金融发展的良好机遇，奋力闯出一条欠发达地区金融业发展的成功之路。可以这么说，金融业面临着青海近十年来最好的发展机遇：一是金融政策体系不断完善。青海省政府出台了《青海省关于促进金融业发展的意见》等一系列政策措施，明确了加大政策扶持力度的具体措施，省财政每年在预算中安排1亿元设立金融业跨越发展专项资金，支持全省金融跨越发展。二是金融改革不断深化带来的机遇。省内金融机构改革不断深入，资产规模进一步壮大，为青海金融业加快发展提供了强大的活力。三是国家区域协调政策带来的机遇。近年来国家出台了支持青海等省藏区经济社会发展、深入实施新一轮西部大开发、全面推进玉树灾后重建、柴达木循环经济试验区总体规划等决策部署，这些为全省金融业争取差别化政策，支持经济社会发展，推动金融业自身发展带来了难得机遇。四是国家扩大内需的战略机遇。“十二五”期间，国家将着力解决基础设施建设、生态环境保护、保障和改善民生等一系列重大问题，将为青海省金融业发展拓宽新的领域和空间。五是青海跨越发展带来的机遇。“十二五”期间，青海省将加快发展农牧业、优先发展现代服务业，重点发展“十大”特色工业，将累计完成固定资产投资9000亿元，为金融资源发挥强有力的支撑作用提供了契机和平台。

Qinghai province is a backward western provinces，We must firmly establish self-confidence to open creative consciousness in qinghai，Positive practice“Five special”The spirit of the qinghai-tibet plateau、“People of a，I ten”Solid work spirit of，Seize the current economic and financial development opportunities，Struggling to rushes out a less developed areas of the development of the financial industry road to success。Can say so，The financial industry faces qinghai nearly 10 years to the best opportunities for development：One is the financial policy system improvement。Qinghai government introduced《Qinghai province on promoting the development of the financial industry opinion》And a series of policy measures，Clear the strengthening policy support strength of concrete measures，Province each year in a budget for fiscal 100 million yuan special funds set up the financial industry spanning development，Support the financial spanning development。2 it is financial reform with the opportunities。Province financial institution reform，Asset size of a further expansion，Speed up the development of the financial industry for qinghai provides a powerful vitality。3 it is national and regional policy coordination with the opportunities。In recent years the country has issued a support qinghai provincial economic and social development in the Tibetan area、Further implement a new round of the development of the western region、Promote yushu rebuilding efforts、Circular economy area of qaidam overall planning and decision to deploy，These for the financial industry policy for differentiation，Support economic social development，Promote the financial industry's own development brought rare opportunity。Four countries to expand domestic demand is the strategic opportunity。“1025”during，Countries will strive to resolve the infrastructure construction、Ecological environment protection、Security and improve the livelihood of the people and so on a series of major issues，For the financial industry development of qinghai province will broaden new fields and space。Five is across the opportunities in qinghai development。“1025”during，Qinghai province will speed up the development of agriculture、Prior to the development of modern service industry，Key development“ten”Characteristic industrial，Will has been finished fixed capital investment of 900 billion RMB yuan，For financial resources play a powerful support action with moment and platform。

　　青海金融业将充分利用后发优势，进一步推动自身发展来支持青海经济社会实现新的跨越。一是政府引导、政策扶持，把推动金融业发展作为实施“富民强省”战略的突破口，进一步发挥政府对金融业的引导协调作用，完善扶持金融业发展的政策措施；二是深化改革、鼓励创新，不断推动金融机构深化改革，把推动金融创新作为金融业发展的突破口，鼓励发展新兴金融市场，设立创新型金融机构，开发创新型金融产品，探索新型金融经营模式，实现从传统金融业向现代金融业的跨越；三是加强合作、聚集辐射，进一步强化与省内外金融机构的交流合作，加大金融招商力度，不断增强金融机构的集聚力、辐射力和竞争力；四是产融互动、协调发展，充分运用多种融资方式，加强对支柱产业、高新技术产业、基础设施、中小企业、“三农”等的金融服务，鼓励优势企业参与金融业的发展，加大金融对优势产业的支持力度，加速产业资本与金融资本融合。

Qinghai finance will make full use of the advantage of backwardness，Further promote their own development to support the economy and society in qinghai to realize new across。One is the government guidance、Policy support，To promote the financial industry development as implementation“Prosperous common people strong province”Strategic breakthrough，Further play to the government of the financial industry's lead coordination function，Improve the development of the financial industry support policy measures；Second, deepening reform、Encourage innovation，Continue to promote financial institutions to deepen the reform，To promote the development of the financial industry financial innovation as a breakthrough，To encourage the development of new financial market，Set up the innovative financial institutions，Developing innovative financial products，Explore new financial management pattern，Realize from the traditional to the modern financial industry across the financial industry；Three is to strengthen cooperation、Gathered radiation，To further enhance the financial institutions inside and outside the province of exchanges and cooperation，Increasing financial investment promotion efforts，Constantly strengthen financial institutions gathered force、Radiation and competitiveness；Four is melting in interaction、Coordinated development，Make full use of various financing way，To strengthen the pillar industry、High and new technology industry、infrastructure、Small and medium-sized enterprise、“Agriculture, rural areas and farmers”Etc of financial services，Encourage advantage enterprises to participate in the development of the financial industry，To increase financial support to the advantage industry，Accelerate industrial capital and financial capital fusion。

　　记者：青海省在支持小微企业方面有哪些好的经验，在控制小微信贷风险、打造“信用青海”方面有哪些考虑？

reporter：In qinghai province support small micro enterprises which are the best experience，In the control small micro credit risk、make“Credit qinghai”What are some consideration？

　　高云龙：小微企业发展直接关系到改善民生、扩大就业问题，青海省一直以来高度重视小微企业的发展，努力缓解小微企业融资困难，满足了小微企业的有效信贷需求，2011年末，全省小微企业贷款余额为324亿元，同比增长72.19%。主要做法是：一是加大政策支持力度。要求金融机构落实金融支持小企业发展的相关政策措施，推动无形资产质押、股权抵押、供应链融资等产品创新，多方面拓宽小企业融资渠道，抓经验、抓模式，推进适合中小企业资金需求的多层次融资市场体系建设。二是改进和完善支持中小企业发展的授信和信贷管理体制，制定可操作性强，易于管理的中小企业贷款业务模式和实施细则，建立健全适应企业发展的授信和信贷管理体制，提升小企业贷款满足率、覆盖率和服务满意率。督促各金融机构重点支持青海省确定的10个中小企业绿色经济集中区建设、180个中小企业重点项目及中小企业成长工程100户重点培育企业。三是灵活运用货币政策工具，优先支持小微企业有效信贷资金需求。对地方法人金融机构支持小微企业贷款有效需求力度大、效果好的，在测算全年合意贷款时，适当调整其系数；对年末小微企业贷款增速和增量达到要求的地方法人金融机构，执行更加优惠的存款准备金率。对产、供、销经营稳定的小微企业优先办理再贴现，增加再贷款资金用于农村金融机构增加县域小微企业信贷需求，并给予优惠利率支持。今年4月19日，国务院出台了《关于进一步支持小型微型企业健康发展的意见》，将为我们进一步支持小微企业发展提供更有力的保障和支持。

GaoYunLong：Small micro enterprise development directly related to the improvement of people's life、Expanding employment problems，Qinghai province has been attaches great importance to small micro the development of the enterprise，Strive to reduce small micro enterprise financing difficulties，Meet the small micro enterprise effective credit demand，By the end of 2011，The small micro enterprise loan balance is 32.4 billion yuan，Year-on-year growth of 72.19%。It is mainly：One is strengthening policy support。Financial institutions are required to implement the financial support of the development of small businesses related policy measures，Promote intangible assets pledge、Equity mortgage、Supply chain financing of product innovation，Many small businesses to broaden the financing channels，Catch experience、Catch mode，Push for small and medium-sized enterprise capital demand of multi-level financing market system construction。2 it is improving and perfecting the support the development of small and middle-sized enterprises credit and credit management system，Formulate feasible，Easy to management of small and medium-sized enterprise loan business model and the detailed rules for the implementation，To establish and perfect the development of the enterprise credit and credit management system，Small business loans meet rate ascension、Coverage and service satisfaction rate。Urge the financial institutions of qinghai province key support to determine the green economic area small 10 construction、180 the key project of small businesses and small and medium-sized enterprise growth engineering 100 household cultivate enterprise。Three is flexible use monetary policy tools，Priority support small micro enterprise credit funds of the effective demand。On the local legal person financial institutions to support small micro enterprise loan effective demand great strength、Good effect，Throughout the year in mind when measuring the loan，Adjust the coefficients；The end of the enterprise loans to small incremental growth and meet the requirements of the local legal person financial institutions，Execute the preferential benefit deposit reserve rate。To produce、for、Marketing management stable small micro enterprise first deal with discount，Increase refinancing funds for rural financial institutions increase small micro enterprise credit demand county，And give preferential interest rate support。This April 19,，The state council issued a《On further support small miniature enterprise of the healthy development of opinion》，We will further support for small enterprise development more powerful micro provide the guarantee and support。

　　围绕构建“信用青海”，在加快中小企业信用体系建设的同时，我们也必须高度关注小微企业信贷风险。一方面要加强金融市场法制诚信建设和基础性制度建设。通过法律约束、行政监管和自律监督机制，健全弘扬诚信、惩戒失信的市场信用体系，加大违规成本；同时要提高市场参与者的诚信意识、责任意识、法制意识和规范意识，努力培育和发展健康、理性的金融市场文化。另一方面进一步加大信用知识宣传普及力度。借助媒体，加大对诚实守信典型的宣传和对恶意逃废债、失信典型的曝光，强化社会诚信舆论监督和惩戒机制。

constructing“Credit qinghai”，In the small and medium-sized enterprise credit system to speed up the construction at the same time，We also close attention must be small micro enterprise credit risk。One the one hand, to strengthen financial market credit construction of legal system and basic system construction。Through the legal constraints、Administrative supervision and self-discipline supervision mechanism，Sound to carry forward the good faith、The market breaks disciplinary credit system，Violation cost increase；At the same time to improve market participants of the credit consciousness、Responsibility consciousness、The consciousness of legal system and regulate the consciousness，Efforts to cultivate and develop the health、Rational financial market culture。On the other hand further increase the credit knowledge popularizing strength。By means of the media，To increase the honest and trustworthy typical propaganda and for malicious TaoFeiZhai、Faithless typical exposure，Strengthening social good faith public opinion supervision and punishment mechanism。

　　记者：您认为金融与实体经济的关系应当是怎样的，金融业如何支持实体经济发展，同时，青海省在建设良好金融生态方面有哪些考虑？

reporter：Do you think that the financial and economic entity relationship should be what kind of，The financial industry how to support the real economy，At the same time，Good financial ecological construction in qinghai province have what consideration？

　　高云龙：金融与实体经济的关系应该是毛与皮的关系。一方面，实体经济是一国经济发展的根本，是金融发展的基础。只有扎扎实实地发展实体经济、振兴实体经济、壮大实体经济，一国经济发展才有实力、才有后劲，金融发展才有支撑。另一方面，实体经济与金融是相互支撑、影响和促进的关系。没用金融的强力支撑，实体经济就不能又好又快地发展。因此，既要重视实体经济发展，也要重视金融发展，必须做到统筹兼顾、协调发展。“皮之不存，毛将焉附”，金融发展必须服务于实体经济的运行，从多方面采取措施，确保主要信贷资源投向实体经济，抑制社会资本脱实向虚、以钱炒钱，防止虚拟经济过度自我循环和膨胀，防止出现产业空心化现象。

GaoYunLong：The financial and economic entity relationship should be hair and skin of the relationship。On the one hand，The entity economy is the economic development of a country at all，Is financial development foundation。Only a solid economy development、Rejuvenating the entity economy、Growing economic entity，A key economic development to have the strength、Only a well-developed，Financial development to have support。On the other hand，The entity economy and finance is mutual support、Impact and promotion of the relationship。No strong financial support，The entity economy can not to develop quickly and well。so，They need to emphasize on the real economy，Also want to pay attention to financial development，Must be balanced、Coordinated development。“Skin not save the，MaoJiangYanFu”，Financial development must serve the operation of the real economy，From many take measures，Ensure that the main credit resources into economic entity，Restrain social capital to take off to the virtual reality、In money fry money，Prevent excessive self circulation and virtual economic expansion，Prevent industry KongXinHua phenomenon。

　　对金融支持实体经济的要求有三条：一要完善金融服务实体经济方式。金融服务实体经济发展的方式要多元化，手段要创新。要提高社会融资总规模中对实体经济的金融资源配置，包括股票融资、商业票据、信托、保险理赔等。提高金融市场中对实体经济的资源配置，包括公司债、非金融企业债务融资工具等。提高信贷资金对实体经济的配置，包括增加贷款投放和扩大贴现、再贴现规模。二要全面落实金融服务实体经济发展的各项措施。各金融机构要切实加强组织领导，把金融服务实体经济发展的各项措施落到实处。人民银行要增加对各金融机构支持实体经济情况的综合评估，对相关工作进行总结和通报。三要稳步扩大社会融资规模。通过加大信贷投入、扩大债务融资工具应用、发挥金融市场资源调配功能，扩大全省直接和间接融资量，推动社会融资规模稳步扩大，更好地配合和服务于青海省经济建设发展的资金需求。利用银行间债券市场创新与发展的机遇，采取多种形式，用好银行间债券市场非金融企业债务融资工具产品及政策，引导企业运用短期融资券、中期票据、企业债券、可转换债等多种债务融资工具，鼓励多个企业联合，或以产业集群、工业园区企业打包方式发行中小企业集合票据、中小企业集合债券融资。

Financial support for the requirements of economic entity with three：A perfect financial services to economic entity that way。Financial service entity economy development way to diversify，Means to innovation。To improve social financing to economic entity in the total size of the allocation of financial resources，Including stock financing、Commercial paper、trust、Insurance claims, etc。Improve the financial market to economic entity in the allocation of resources，Includes company debt、Non-financial debt financing tools etc。Improve the credit funds to the real economy configuration，Including the increased loan on and expanding the discount、Discount scale。Second, we need to carry out financial service entity economy development measures。All financial institutions should earnestly strengthen leadership，The financial service entity economy development measures into practice。The people's bank to increase the all financial institutions to support the entity economy the comprehensive evaluation，Related to report and inform。Third, we need to expand the social financing scale。Through the increase in credit、Expand the debt financing instruments、Play financial market resource allocation function，Expand the direct and indirect RongZiLiang，Promote social financing scale steadily growing，Better coordination and service in qinghai provincial economic development financing needs。Use of market of the bond between the bank innovation and the development opportunity，To take a variety of forms，With good market of the bond between the bank non-financial debt financing tool product and policy，Guide enterprise use of short-term financing bonds、Medium-term notes、Enterprise bonds、Convertible debt and so on many kinds of debt financing tools，Encourage more enterprise joint，Or in industry cluster、Industrial park enterprise issued by small and medium-sized enterprises pack set the bill、Small and medium-sized enterprise set bond financing。

　　近年来，我们在建设金融生态环境优质区方面做了大量工作，金融生态环境明显改善，“三农”、中小企业贷款难问题逐步缓解，资金“洼地”效应初步显现。今后几年，我们仍应加大金融生态环境建设，不断推进社会信用体系建设。一是以社会信用体系建设为突破口，持续改善青海金融生态环境；二是加强农村信用体系建设，以优质金融生态助力农牧区金融发展，构建县域金融机构在青海省县域既有合作又有竞争的“双赢”机制，力争到2015年基本形成全省“信用农村”的目标。三是打造信用青海品牌，形成高原资金洼地。在切实提升企业和个人信用水平的基础上，不断加大对信用青海的宣传力度，吸引更多的投资入驻青海，使青海省成为高原资金洼地。

In recent years，We in the financial ecological environment construction in high quality area, do a lot of work，Financial ecological environment obviously improved，“Agriculture, rural areas and farmers”、Small and medium-sized enterprise loans difficult problem gradually ease，funds“depressions”Preliminary effect appeared。In the next few years，We should still increase financial ecological environment construction，Continue to promote the social credit system construction。One is the social credit system construction as a breakthrough，Continuous improvement qinghai financial ecological environment；Two is to improve rural credit system construction，With the high quality financial development, financial ecological power farmers and herdsmen，County financial institution in the construction of qinghai province has both cooperation and competition county“win-win”mechanism，Strive to basic form the province in 2015“Rural credit”goal。Three is to make credit qinghai brand，Capital formation plateau depressions。To promote the enterprise and individual in the level of credit basis，Increasing to credit the qinghai publicity，To attract more investment in qinghai，Make qinghai provincial capital become plateau depressions。

　　记者：全国股份制商业银行纷纷到青海设机构，青海在金融机构聚集、金融人才聚集方面有哪些优惠政策？

reporter：The national joint stock commercial Banks in to qinghai incorporated institution，Qinghai gathered in financial institutions、Financial talents have gathered which preferential policy？

　　高云龙：近年来，我们加大金融招商力度，各类金融机构尤其是全国股份制商业银行纷纷到青海抢滩设点，推动全省的金融组织体系日臻完善。“十二五”期间，我们将继续加强与国内外金融机构的交流合作，以优惠政策、差别化政策和优质服务吸引国内外金融机构和中介机构来青设立地区总部性机构或分支机构；探索综合经营模式，打造实力雄厚、竞争力强的金融集团，进一步提升金融业聚集力和影响力。《青海省人民政府关于促进金融业发展的意见》规定，自2010年起，凡在青海境内新设总部性、地区总部性金融机构以及一级银行业分支机构的，给予一次性补贴。注册资本10亿元以上的，补贴1000万元；注册资本10亿元以下、1亿元以上的，补贴注册资本1%。对新设金融机构的营业用房，在规划、购买和租用上给予一定的政策倾斜或优惠政策。对新设金融机构还享受所得税、营业税、房产交易税、契税的优惠政策。

GaoYunLong：In recent years，We increase the financial investment promotion efforts，Various types of financial institutions, especially the national joint stock commercial Banks are subordinate to qinghai is prohibited，Promote the financial organization system better and better。“1025”during，We will continue to strengthen and domestic and foreign financial organizations of exchanges and cooperation，With preferential policies、Differentiation policy and high quality services to attract domestic and foreign financial organizations and intermediary organizations to green to establish regional headquarters structure or branches；Explore the comprehensive management pattern，Build strong、Competitive financial group，Further enhance the financial industry gathered force and influence。《Qinghai province people's government on promoting the opinions of the financial industry》provisions，Since 2010，And in qinghai province set of new headquarters、Regional headquarters of financial institutions and level of banking branches，Grant one-time subsidies。Registered capital of 1 billion yuan of above，10 million yuan RMB subsidies；Registered capital of 1 billion yuan、100 million yuan of above，The registered capital of the subsidies by 1%。New financial institutions to set the business houses，In planning、Buy and rent for a certain policy inclination or preferential policies。New set of financial institutions can also enjoy the income tax、Business tax、House property tax、Agree tax preferential policies。

　　近年来，青海省确立了金融人才优先发展战略，以高层次金融人才引进、培育为重点，统筹推进金融人才资源的整体开发，每年安排专项资金2000万元用于金融人才引进、培训和奖励工作。具体来讲就是：一是引进人才，实施金融人才“小高地”建设项目，大力培养和造就一批在金融领域发展的领军人才和创新团队。对于青海省急需的金融机构高层次金融人才，在工作生活条件上创造条件，包括安家费补助、配偶工作推荐、子女高考、入学、个人所得税返还等方面提供政策支持。二是培训人才，利用全国对口支援藏区政策实施的时机，加大为青海省培养金融人才的力度，采取多种培训形式提高各级政府金融管理干部、金融机构经营者和从业人员的金融素质。三是学习教育，强化对地方党政、各部门领导的金融理论学习教育工作，提高各级领导干部自觉运用金融理论推动地方经济社会科学发展的能力。

In recent years，Qinghai established financial talent priority development strategy，With high-level financial talent introduction、Cultivation is to focus on the，Plan as a whole to promote financial talent resources of the overall development，Arrange special fund 20 million yuan each year for financial talent introduction、Training and reward work。Specifically is：One is the introduction of talents，Implementing financial talent“Small highlands”Construction projects，To train and bring up a group of leaders in the financial sector development personnel and innovation team。Qinghai province is badly in need of financial institutions for high-level financial talent，In work and life conditions on create conditions，Including AnGuFei subsidies、Spouses work recommend、Children the university entrance exam、entrance、Personal income tax return provide policy support。2 it is training talents，Use the corresponding support Tibetan areas of policy implementation opportunity，Increase financial talent training for the strength of qinghai province，To take a variety of forms to enhance training at all levels of the government financial management cadres、Financial institutions operators and employees of financial quality。Three is to learn education，To strengthen the local party and government、The department of finance theory study education leadership，Improve the leading cadres at all levels appropriate application of financial theory to promote local economic society development ability of science。

　　记者：请您谈谈政府领导干部“学金融、懂金融、用金融”的意义，这样的立意为什么会在青海省率先提出？

reporter：Please talk about the government leading cadre“Learn financial、Understand financial、With financial”meaning，This conception is why in qinghai province will first put forward？

　　高云龙：在2010年全省金融工作会议上，省委书记强卫同志提出了领导干部要“学金融、懂金融、用金融”的号召。领导干部“学金融、懂金融、用金融”对提升管理经济社会的能力、推动青海“四个发展”具有十分重要的意义。这个立意率先在青海提出，不仅反映了领导的远见，更是省情现实的需要。首先，金融在青海经济工作中的地位日益凸显。金融是现代经济的核心，从青海省的经验看，金融也是推动新青海建设的重要资金支撑平台。其次，具备优良的金融素质是对青海各级领导干部的新要求和新任务。在经济金融全球化趋势日益突出的条件下，青海各级领导必须学会用金融手段和方法来助推地方经济的发展，深层次地驾驭现代经济。做好金融工作，关键在领导干部，关键在提高领导干部金融素质，关键在各级领导干部要“学金融、懂金融、用金融”。再次，与经济发展对金融支撑的迫切要求相比，青海省领导干部的金融素养还存在不适应的地方，主要表现在：有的领导干部对金融知识、金融政策、金融法规知之不多、知之不深、知之不透，金融理论素养和实践能力不强，少数干部存在着用行政命令指导金融业发展的观念。凡此种种，充分说明，各级领导干部必须着力提高自身学习金融理论、分析金融问题、谋划金融工作的金融意识和金融本领，着力提升自身运用金融规律把握宏观经济形势、推动科学发展的金融素质和金融水平。

GaoYunLong：In 2010 the financial work conference，Comrade JiangWei, secretary of provincial party committee of leading cadres should put forward“Learn financial、Understand financial、With financial”'s call for。Leading cadres“Learn financial、Understand financial、With financial”To promote the management of the economy and society ability、Push qinghai provincial“Four development”Has the very vital significance。This conception is take the lead in put forward in qinghai，Not only reflects the vision of leadership，Condition is real need。first，Financial in qinghai economic work in the position in the whole country。Finance is the core of modern economy，From the experience of qinghai province to see，Financial is to promote the construction of new qinghai important capital support platform。second，Good financial quality is to the qinghai leading cadres at all levels of the new requirements and the new task。In the economic and financial globalization trend growing conditions，Qinghai leaders at all levels must learn to use the financial means and ways to boost the development of local economy，Deep modern economic control。Do financial work，The key is in the leading cadre，The key is in the leading cadre improve financial quality，The key is in the leading cadres at all levels“Learn financial、Understand financial、With financial”。again，And economic development on the urgent request of financial support to compare，Leading cadres of qinghai province of financial literacy is also adapt to the place，Mainly displays in：Some leading cadres to financial knowledge、Financial policy、Financial regulations don't know、Know not deep、Know through，Financial theory and practice ability is not strong accomplishment，There are few cadres with administrative command guidance financial industry development concept。All of which，Fully explain，Leading cadres at all levels must strive to improve their learning financial theory、Financial problem analysis、Financial planning finance consciousness and financial ability，To improve their own financial law by master macroeconomic situation、Promoting scientific development of financial literacy and financial level。

　　领导干部“学金融、懂金融、用金融”，务必要在驾驭运用、推动发展上下工夫。今后，我们要紧紧抓住经济发展的“金融牛鼻子”，以金融创新带动经济发展，以金融发展推动经济繁荣。各级领导干部要主动适应这个形势，认真学习金融知识，积极运用金融服务“四个发展”。领导干部“学金融、懂金融、用金融”，务必要在开阔视野、培育战略眼光上下工夫。国际金融危机提醒我们，即使像青海省这样的欠发达地区，也不可能置身于国际金融危机之外。青海省虽然经济滞后，金融业欠发达，但我们发展壮大金融业的眼光、理念和思路不能滞后。

Leading cadres“Learn financial、Understand financial、With financial”，Be sure to control the use、The upper and lower time promoting development。In the future，We must firmly grasp the economic development“Financial key”，Financial innovation in promoting economic development，To promote financial development economic prosperity。Leading cadres at all levels should take the initiative to adapt to the situation，Study hard financial knowledge，Actively use financial services“Four development”。Leading cadres“Learn financial、Understand financial、With financial”，Be sure to in the open field of vision、Cultivate strategic vision fluctuate。The international financial crisis reminds us，Even if such as less developed areas of qinghai province，Also in the international financial crisis may not beyond。Even though the economy of qinghai province lags behind，Underdeveloped financial industry，But we develop the eye of the financial industry、Concepts and ideas can't lag。

　　记者：您对目前的金融服务以及金融监管有哪些期待？有哪些政策建议？

reporter：For the current financial services you and what look forward to financial regulation？What are the policy Suggestions？

　　高云龙：以建设青藏高原金融发展繁荣区为目标，需进一步改进金融服务。

GaoYunLong：With the construction of the qinghai-tibet plateau financial development boom for the target，Further improve financial services。

　　一是建立健全金融组织体系，深化金融服务功能。积极探索建立新型金融机构，稳步增加各类商业银行和证券、保险机构入驻青海省的数量，引进和培育一批信用评级、融资租赁、结构融资、信托等中介服务机构，能够基本满足企业发展所需的各项金融服务。

One is to establish and perfect the system of financial organization，Deepening financial services。Actively explore establishing the new financial institutions，Increased steadily all kinds of commercial Banks and securities、Insurance institutions in the number of qinghai province，Introduction and cultivate a group of credit rating、Financing lease、Financing structure、Trust and intermediary service agencies，To satisfy the business enterprise development basic all the necessary financial services。

　　二是建立健全金融市场体系，增强金融活力。进一步扩大青海省金融机构参与全国银行间市场的机构数量和交易范围，提高金融机构利用金融市场调剂资金的能力，把货币市场、资本市场、债券市场的发展和信贷市场拓展有机结合起来，建立多层次、多渠道的立体化资金网络，增强金融机构资金活力，使青海省金融机构的发展有资金保障。

2 it is to establish and perfect the financial market system，Enhance financial vitality。To further expand financial institutions involved in qinghai province the national inter-bank market institutions quantity and trading range，Improve the financial institutions using financial market to adjust the ability of funds，The money market、Capital market、The development of the bond market and the credit market development organic together，Establishing multi-layer、Multi-channel three-dimensional capital network，Strengthen financial institutions capital vigor，The development of qinghai province to financial institutions have funding。

　　三是推进和深化金融改革，壮大地方法人金融机构。按照中央金融改革的总体思路，进一步推进地方法人金融机构深化改革，总结现代企业管理制度在地方法人金融机构营运中的经验，借鉴发达地区金融机构管理的先进经验，推动青海省地方法人金融机构在业绩上台阶的同时，在管理模式上多作有益的探索，把青海省地方法人金融机构打造成服务区域金融的核心力量之一。

3 it is to advance and deepening financial reform，Local legal person and financial institutions。According to the general idea of the central financial reform，To further promote the local legal person financial institutions deepening reform，Summary modern enterprise management system in place of the legal person financial institutions operating experience，Use developed regions financial institutions the advanced experience of management，Promote local legal person of qinghai province financial institution in the performance of the steps at the same time，In management model made beneficial exploration，Where the legal person of qinghai province financial institutions to fight a regional financial services of one of the core strength。

　　四是稳步扩大社会融资规模，保持金融总量较快增长。通过深化银企合作等举措，确保信贷增长保持“十五”以来的高位势头，争取在“十二五”时期末，人民币贷款能基本满足社会需求。大力发展直接融资，通过培育企业上市、发行债券、应用债务融资工具等方式，拓宽青海省企业融资渠道，争取在“十二五”期间直接融资又好又快地增长，使全省社会融资规模保持高于地区生产总值与物价涨幅之和2～3个百分点的增长水平。

Four is steadily growing social financing scale，Maintain total finance growing rapidly。Through the deepening cooperation measures such as fact，Ensure that credit growth remains“15”The momentum since high，For the“1025”At the end of the period，RMB loan can basically meet the social needs。Vigorously develop direct financing，By cultivating enterprise listed、Issue bonds、Debt financing tools used way，To broaden the financing channels of qinghai province enterprise，For the“1025”During direct financing, nice and fast growth，Make the province social financing scale remained higher than in GDP and price or the sum of 2-3% growth levels。

　　五是完善资本市场体系，提高直接融资比重。充分利用境内外资本市场，促进青海省更多企业上市融资。加大上市后备企业培育力度，提升上市公司再融资能力，做优做强上市公司。不断发展产权、债券及其他直接融资市场，构建多层次资本市场体系。

Five is the perfect capital market system，Raise the proportion of direct financing。Make full use of domestic and overseas capital market，Promote more enterprise listing of qinghai province。Increase public reserve enterprises developing strength，Improve the listed company to financing ability，Do best and stronger listed companies。Development property、Bonds and other direct financing market，Establish multi-tiered capital market system。

　　六是推进保险业加快发展，扩大服务覆盖面。发展壮大青海省保险业，推动保险资金参与青海省建设，加大保险服务民生领域的力度。到2015年，全省保费收入、保险密度、保险深度等指标更加理想。

Six is speeding up the development of the insurance industry，Expand service coverage。Development and growth of the insurance industry of qinghai province，Promote insurance capital construction in qinghai province，Increase the people's livelihood insurance services in the field of dynamics。By 2015，Province of premium income、Insurance density、Insurance depth, etc index more ideal。

　　以建设青藏高原金融运行安全区为目标，我们必须加强金融监管，防范和化解金融风险。一方面，完善防范和化解金融风险的组织协调机制，建立联席会议制度和信息交流制度，进一步规范金融市场秩序，探索制定金融安全突发事件的防范处置预案。形成“监管部门监管、政府协调配合、法律保障、金融机构内控、从业人员自律、社会监督”的金融风险防范体系，确保金融稳定和经济安全。另一方面，建立监督合作联动机制。积极发挥金融综合协调部门的作用，继续强化“一行三局”的金融监管功能，进一步有效防范和化解金融风险。各监管机构要明确分工、各负其责，加强纵向、横向的协调与沟通，降低监管成本，提高监管效率，形成上下联动、信息传递、风险预警、危机处置等方面的监管合作机制，维护全省金融体系的稳定、效率和竞争。

With the construction of the qinghai-tibet plateau financial operation safety zone for the target，We must strengthen financial supervision，To guard against and defuse financial risks。On the one hand，Perfect guard against and defuse financial risks of organization and coordination mechanism，Build system of joint conference and exchange of information system，Further regulating financial market order，Explore make financial safety emergencies preventive treatment plan。form“Regulatory supervision、Coordination with the government、Legal protection、Financial institutions internal control、Employees self-discipline、Social supervision”Financial risk prevention system，Ensure financial stability and economic security。On the other hand，Establish the supervision and cooperation linkage mechanism。Play an active financial comprehensive coordination department role，Continued to strengthen“A line of three innings”Financial regulatory function，Further effectively guard against and defuse financial risks。The regulatory agencies to clear division of labor、Each its，Strengthen the longitudinal、Horizontal coordination and communication，Reduce cost supervision，Improve the regulation efficiency，Form fluctuation linkage、Information transfer、Risk early warning、Crisis handling, and other aspects of the regulatory cooperation mechanism，Maintain the stability of the financial system、Efficiency and competition。