今年以来，在国内外经济形势比较严峻的背景下，海南金融业却呈现出“信贷投放较快增长，资本市场持续活跃，金融机构日渐丰富”的态势。金融业成为拉动海南经济社会发展的强大引擎。

Since this year，In the domestic and international economic situation more severe background，Hainan revealed a financial industry“The supply of credit is growing rapidly，Capital markets continue to active，Financial institutions are increasing”situation。The financial industry become pull hainan development of economy and society powerful engine。

　　上半年，随着我省经济平稳增长，全省金融业保持了稳健运行的态势，尤其在金融对经济贡献率、银行业机构经营质量、资本市场融资等方面亮点频现。

In the first half，With economic growth in our province，The financial industry to keep the stable operation of the situation，Especially in financial contribution to the economy、Banking institutions management quality、Capital market financing window frequent。

　　“这关键在于全省金融系统紧紧围绕省委、省政府项目建设年的部署，以支持实体经济为导向，以金融"五个一"工程为总抓手，有序推进金融服务。”省政府金融办负责人说。

“The key lies in the financial system centering on provincial party committee、The provincial government in the deployment of the project construction，To support the entity economy as the guidance，In financial"five"Engineering for total means，Orderly to promote financial services。”The provincial government financial do chief says。

　　金融对我省经济贡献显著增强 Financial effects on the remarkable increase of economic contribution

　　“上半年，在省委、省政府的正确领导下，海南金融业主动适应国家宏观政策的调整，最大限度减轻了金融形势复杂多变对我省经济发展带来的不利影响，实现了金融与经济的良性互动。”省金融办相关负责人说。

“In the first half，In the provincial party committee、The correct leadership of the provincial government，Hainan finance adapt to the national macro policy adjustments，Minimize the complicated financial situation in Shanxi Province of the bad influence of the economic development，Realize the financial and economic benign interaction。”Save the relevant person in charge of financial do said。

　　最能直接体现金融业发展水平的金融业增加值，上半年共实现57亿元，同比增长31%，对服务业和地区生产总值的贡献率分别达8.93%、4.16%；上缴地税11.25亿元，同比增长36%，对全省地税收入贡献率为6.3%，增量贡献率高达13.8%，金融业对经济增长的直接贡献显著提高。

Most can directly reflect the financial industry development level of the added value of the financial industry，In the first half were reached 5.7 billion yuan，Year-on-year growth of 31%，For services in GDP and the contribution rate of 8.93% respectively、4.16%；Over land tax 1.125 billion yuan，Year-on-year growth of 36%，For the land tax revenue contribution rate of 6.3%，Incremental contribution rate as high as 13.8%，The financial industry on the economic growth of the direct contributions increased significantly。

　　在金融机构方面，今年海南将增加许多新成员，中信银行(601998,股吧)海口分行开业，打破了15年来没有股份制商业银行进驻海南的历史。接下来，招商银行(600036,股吧)海口分行即将开业，民生银行(600016,股吧)三亚分行、浦发银行(600000,股吧)海口分行及海口联合农商银行获批筹建，阳光人寿获保监会批准迁址海南。新设证券营业部1家，新批小额贷款公司6家，由民生银行等3家银行共同倡导发起，33家中小银行、保险、租赁等金融机构积极响应参与的亚洲金融合作联盟永久落户三亚，金融服务体系进一步完善。

In financial institutions，Hainan will increase this year many new members，Citic bank(601998,Shares it)Haikou branch opening，Breaking the 15 years no joint stock commercial Banks in the history of hainan。The next，China merchants bank(600036,Shares it)Haikou branch is getting ready for the opening，Minsheng bank(600016,Shares it)Sanya branch、Shanghai pudong development bank(600000,Shares it)Haikou branch and haikou joint agro-business bank approved preparation，The sun life won approval by the relocation of hainan。The new set of the securities business home 1，The new batch of small loan company 6 companies，Bank of the people's livelihood by three Banks jointly promote launch，33 home small Banks、insurance、Lease, and other financial institutions active response in Asian financial cooperation alliance permanently settled in sanya，Financial service system further perfection。

　　“组织结构的完善，不仅是量的增加，也是质的提升，推动着原有金融机构网点快速发展。”中国人民银行海口中心支行有关负责人表示，例如中信银行海口分行开业仅一个月就新增信贷投放近8亿元，小额贷款公司新增注册资本4.5亿元，上半年贷款余额14.51亿元，这都将有力支持海南经济社会发展。

“The improvement of the organizational structure，Not only is the increased amount of，Is quality，Push the original financial institutions network rapid development。”The people's bank of China central subbranch haikou about chief said，For example of citic bank branch of haikou opening of only one month adding the supply of credit is nearly 800 million yuan，Small loans new company registered capital of 450 million yuan，The loan balance in the first half of 1.451 billion yuan，This will be strong support of economic and social development of hainan。

　　依托四大体系打造特色金融 Relying on four big system make financial characteristics

　　难能可贵的是，在今年国内外整个资本市场不景气的情况下，我省直接融资延续了近两年来持续活跃的态势，企业融资渠道不断多元化发展。

Valuable is，This year the capital markets at home and abroad in the recession，Direct financing lasted nearly two years in our province to continue to active the situation，Enterprise financing channels becoming diversification development。

　　上半年，我省已经实现直接融资41.3亿元，包括美兰机场等3家企业从资本市场融资21.3亿元，金元证券获首都机场集团注资20亿元。此外，双成药业(002693,股吧)约6亿元首发上市申请、海南航空(600221,股吧)80亿元非定向增发方案已获证监会批准，海南发展控股成功发行25亿元企业债券，正在办理工商登记的6家股权投资基金拟募集资金11亿元，海南矿业等2家首发申请正等待证监会反馈意见……这些利好事实都表明，海南的融资结构更加完善，融资渠道更加丰富。

In the first half，Our province has achieved 4.13 billion yuan of direct financing，Including meilan airport and so on 3 enterprises from capital market financing 2.13 billion yuan，Jinyuan securities was the capital airport group capital 2 billion yuan。In addition，Double into pharmaceutical(002693,Shares it)About 600 million heads of state hair listed application、Hainan airlines(600221,Shares it)8 billion yuan the directional by the plan has already been approved by the commission，Hainan development holding successfully issued 2.5 billion yuan enterprise bonds，Is being dealt with industry and commerce registration of the six home equity funds to raise capital of 1.1 billion yuan，Hainan mining and two start is waiting for CSRC for feedback......These facts show that good，Hainan's financial structure to be more perfect，The financing channels more rich。

　　保险方面，农业保险、责任保险等与民生联系紧密的业务较快发展，服务经济社会能力进一步增强。 （下转A2版）

insurance，Agricultural insurance、Liability insurance, and the people's livelihood contact close business more rapidly，Service to further strengthen economic and social ability。 （Next turn A2 version）

　　（上接A1版）上半年，共实现农险保费收入1.18亿元，同比增长58%，试点开办险种13个，赔款支出1474万元，为农业生产提供风险保障77.83亿元。责任险赔款支出1844万元，同比增长171.23%；工程保险赔款支出2346万元，同比增长117.32%，较好支持了地方生产建设。此外，意外保险、健康保险等保障性较强的业务也都有明显增长，进一步完善了我省社会保障体系。

（Connected to the A1 version）In the first half，Realize agriculture risks of premium income 118 million yuan，Year-on-year growth of 58%，Pilot plant open 13，Reparations spending 14.74 million yuan，Support for agricultural production risk guarantee 7.783 billion yuan。Liability insurance indemnity spending 18.44 million dollars，Year-on-year growth of 171.23%；Engineering insurance indemnities spending 23.46 million dollars，Year-on-year growth of 117.32%，Better support the local production and construction。In addition，Accident insurance、Health insurance affordable strong business also have the obvious growth，Further improving the social security system in our province。

　　在金融改革和金融创新领域，海南也表现出不可小觑的潜力。今年以来，三亚联社改制组建三亚农商银行的工作有序推进，离岸金融业务试点稳步推进，中国银行(601988,股吧)也拟在海南设立“中国银行离岸业务部（海南）”。

In the financial reform and financial innovation areas，Hainan also show cannot small gaze of potential。Since this year，Sanya association established restructuring of bank agro-business sanya pushed forward，Offshore financial business pilot steadily，The bank of China(601988,Shares it)Also intends to set up in hainan“The bank of China offshore business department（hainan）”。

　　“服务于海南国际旅游岛建设，打造具有海南特色的金融，正是海南金融长期持续发展的方向。”省金融办负责人说，未来将积极打造产业金融、消费金融、民生金融和离岸金融，依托组织架构、政策支持、服务创新、发展环境等“四大体系”，着力使金融业发挥更大的作用。

“International travel service hainan island construction，Make with characteristic of hainan financial，It is hainan finance long-term sustainable development direction。”The province of financial do said，The future will make actively financial industry、Consumer financial、The people's livelihood financial and offshore finance，Relying on organizational structure、Policy support、Service innovation、Development environment“Four big system”，To make the financial industry play a bigger role。

　　把握有利因素服务项目建设年 Grasp the favorable factors service in project construction

　　今年是省委、省政府确定的“项目建设年”，抓项目、促投资是今年经济工作的重中之重，这既需要金融部门的鼎力支持，同时也为金融业的发展壮大提供了良好机遇。

This year is provincial party committee、Provincial government determined“Construction project in”，Catch project、To promote investment this year is economic priority，This requires both the financial department's full support，But also for the development of the financial industry to provide a good opportunity。

　　据介绍，上半年，各银行机构对重点项目的信贷投放达147.51亿元，其中信贷投放力度最大的是国开行省分行和省农信社系统，分别达79.1亿元和37.35亿元，有力地支持了一批省重点项目建设。

According to introducing，In the first half，The bank of the key projects, organization of the supply of credit up to 14.751 billion yuan，Among them the supply of credit is the greatest power kingdom operation province branch and rural credit cooperatives system province，$7.91 billion and $3.735 billion respectively，Strongly support a batch of provincial key project construction。

　　省金融办负责人认为，海南金融业良好的运行态势，得益于省委、省政府的高度重视，优先发展金融服务业、保险业的战略思想。而实体经济的快速发展，也对金融提出了更高的需求，尤其扩大了信贷需求。

Provincial officials think financial do，Hainan finance good operation situation，Benefited from the provincial party committee、The provincial government takes seriously，Giving priority to the development of the financial services industry、The strategic thought of the insurance industry。The entity and the rapid development of economy，Also on the financial put forward higher demand，Especially expanded credit demand。

　　此外，近3年来，我省不断完善支持金融发展的政策体系，从支持信贷投放、鼓励机构进驻、推进小额贷款公司改革、做好农民小额贷款贴息、设立资本市场发展专项资金等各个方面，加大金融业发展扶持力度。各市县政府和各部门也相继出台有关政策措施，在全省形成支持金融发展的良好氛围，为金融业的发展提供了新的空间。现在，政策效应正明显释放出来。

In addition，Nearly 3 years，Our province constantly improve the policy system to support the financial development，The supply of credit from support、Encourage institutions stationed in、Promote microfinance company reform、Do small farmers loan discount、Set up the capital market development special funds and other aspects，Increase the financial industry development the support strength。Various cities county governments and departments also have issued relevant policy measures，In the development of financial support form good atmosphere，For the development of the financial industry to provide a new space。now，Policy effect is obvious to be released。

　　“我们更要善于捕捉有利于信贷投放的因素，创造条件，确保完成全年信贷投放目标。”省金融办相关负责人说，今年6月至7月份，一个月之内，央行连续2次下调存贷款利率，这是央行42个月内连续6次上调存贷款利率的情况下出现的逆转，代表利率周期的反转，表明当前决策层对稳增长的关切，是货币政策将趋宽松的一个重要政策信号。同时，我省重点项目储备较为丰富，随着一系列重点项目条件的逐步落实，会带来较为旺盛的资金需求，预计下半年全省贷款将继续保持较高增长，有望实现全年新增贷款目标。

“We should be good at to capture more of the supply of credit factors，Create conditions，Be sure to complete annual credit on the target。”Save the relevant person in charge of financial do said，In June this year to July，Within a month，Central Banks cut interest rate for 2 times，This is the central bank 42 months raised interest rates six times in a row of cases appear reversal，Representative interest rates the reversal of the cycle，Show the current management team to the concerns of the steady growth，Is monetary policy will hasten loose a important policy signals。At the same time，Our province key projects is abundant reserves，With a series of key project conditions gradually implement，Will bring more exuberant financing needs，The second half of the loan will be expected to keep high growth，New lending to realize annual goals。