随着海南楼市的起起伏伏，海南在很长一段时间里被国内外金融机构认为是“风险高压区”。但如今，海南金融业终于走出了低谷，摇身变为一块“资金洼地”。

Along with the ups and downs of hainan property market，Hainan in a very long period of time by domestic and foreign financial institutions considered“Risk high”。But now，Hainan finance finally out of the abyss，Shake the body into a block“Capital depression”。

　　根据海南省金融办提供的数据，海南今年上半年金融增加值共实现了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%；金融业上缴地税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。

According to the financial data provided to hainan province，Hainan in the first half of this year the financial added value to realize the total is 5.7 billion yuan，Year-on-year growth of 31%，To service industry and regional GDP contribution rate were 8.93%、4.16%；The financial industry to land tax 1.125 billion yuan，Year-on-year growth of 36%，For the land tax revenue accounted for 6.3%，Incremental contribution rate is as high as 13.8%，The financial industry to economic growth significantly increased the direct contribution。

　　其实，这是近年来海南以支持实体经济为导向，以金融“五个一”工程为总抓手，有序推进金融服务取得的实效。海南金融业对经济贡献率、银行业机构经营质量、资本市场融资等方面亮点频现。

In fact，This is in recent years hainan to support the real economy as the guidance，With financial“five”Engineering for total gripper，In order to promote financial service achieved actual effect。Hainan financial contribution to economy、Banking institution management quality、The capital market financing in window frequency now。

　　今年4月召开海南省第六次党代会。海南省委书记罗保铭在党代会报告中强调要“优先发展现代金融业，积极引进境内外金融机构，完善地方金融体系，发展服务于中外游客的消费型金融，提升金融服务经济社会发展的能力和水平”。

This April sixth party at hainan province。Hainan provincial party committee secretary of the party LuoBaoMing stressed in the report to“Giving priority to the development of the modern financial industry，Actively introduce financial institutions at home and abroad，Improving the local financial system，Development in the service of Chinese and foreign tourists consumer financial，Enhancement of financial service economy social development ability and level”。

　走出低谷 Went out of whack

　　上世纪90年代，受房地产泡沫等因素的影响，在相当长的一段时期内，海南成为金融重灾区，资本市场陷入低迷。即使各大商业银行成立资产管理公司剥离了不良资产，海南的不良贷款率还曾高达80%。

In the 1990 s，By the influence of such factors as real estate bubble，For quite a long time，Hainan become a financial disaster area，Capital market downturn。Even if each big commercial bank asset management companies established stripped away the bad assets，Hainan's bad loans had as much as 80%。

　　国际旅游岛建设为海南的发展迎来前所未有的发展条件和机遇，海南的金融生态发生了根本性变化。

International tourism in hainan island for the development of construction in unprecedented development conditions and opportunities，Hainan financial ecological undergone a fundamental change。

　　2010年，海南银行体系资金首次实现净流入，改变了自1998年以来连续12年资金净流出的局面。截至2011年上半年，海南金融机构本外币贷款余额2885亿元，同比增长26.8%，增幅居全国第二。银行业金融机构不良贷款率余额和占比继续实现“双下降”，不良率降到了1.46%。

In 2010,，Hainan banking system for the first time the net inflow funds to realize，Changed since 1998 12 consecutive years fund net outflow situation。By the first half of 2011，Hainan financial institutions foreign currency denominated loan balance is 288.5 billion yuan，Year-on-year growth of 26.8%，The increase in the country。Banking financial institutions bad loans accounted for balance and than to continue to implement“Double down”，Defect rate dropped to 1.46%。

　　同样是2010年，海南银行业金融机构实现利润75亿元，同比增长26.74%。资本市场上，直接融资占比约为25.3%，处于全国领先水平，其中，债券市场融资额相当于海南前15年融资的总和。

The same was in 2010，Hainan banking financial institutions to realize profit is 7.5 billion yuan，Year-on-year growth of 26.74%。Capital market，Direct financing than accounted for about 25.3%，A leading position in China，the，The bond market is equivalent to hainan or junk-rated before 15 years the sum of financing。

　　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 field，Hainan also show the potential of cannot small gaze。Since this year，Sanya association established restructuring sanya agro-business bank work orderly propulsion，Offshore financial business pilot steadily，The bank of China(601988,guba)Also intends to set up in hainan“The bank of China offshore business department（hainan）”。

　　海南省省长蒋定之在今年的政府工作报告中强调，要用3到5年左右的时间，办一家海南省的地方法人银行、办一家面向全国的股份制商业银行、办一家总部在海南的保险公司、办一家海南的信托公司，最后办一家海南的大宗商品期货交易中心。

Hainan province JiangDingZhi governor in this year's government work report to emphasize，Want to use 3 to 5 years time，Do a tip of the island province of hainan local legal person bank、Do a facing the national joint-stock commercial Banks、Do a headquarters in hainan insurance company、Do a hainan's trust company，The last to do a hainan commodity futures trading center。

　　这个目标正一步步变成现实，今年5月，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。由民生银行(600016,股吧)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。此外，海口农商银行已经挂牌开业，彻底结束了海南没有地方商业银行的历史。

This goal is step by step becoming reality，In may this year，Citic bank(601998,guba)Haikou branch opening，To break the 15 years no joint stock commercial bank in the history of hainan。The minsheng bank(600016,guba)Three Banks launched jointly promote，33 home small Banks、insurance、Leasing, and other financial institutions actively response to participate in Asian financial cooperation alliance permanently settled in sanya，Financial service system to further improve。In addition，Haikou agro-business listed Banks have opened，Thoroughly over hainan have no place to commercial bank's history。

　服务实体经济 Service entity economy

　　服务实体经济是金融业的立身之本，也是金融业持续健康发展的关键所在。

Service entity economy is the foundation of the financial industry，Financial industry is the sustainable and healthy development of key。

　　“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。”海南省政府金融办主任王年生说，海南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。

“Service hainan international tourism island construction，Build a hainan characteristics of financial，It is hainan finance long-term sustainable development direction。”Hainan province government financial do WangNianSheng director said，Hainan future will actively create financial industry、Consumer banking、The people's livelihood financial and offshore finance，Relying on the organizational structure、Policy support、Service innovation、Development environment“Four big system”，Focus on the financial industry to play a greater role。

　　“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 structure，Is not only the increase of quantity，Is the promotion of the quality，Push the original financial institutions network rapid development。”The people's bank of China central subbranch haikou relevant person in charge said，For example, citic bank haikou branch opening only a month new credit availability of nearly 800 million yuan，Small loans new company registered capital of 450 million yuan，In the first half of the outstanding balance of the loans 1.451 billion yuan，This will be strong support hainan economic and social development。

　　今年是海南省“项目建设年”，为解决项目建设中基层、业主和企业反映比较突出的“融资难”问题，海南省重点要求金融机构扩大信贷投放规模，直接融资再创新高，积极探索运用保险资金。

This is hainan province“In project construction”，In order to solve the project in the construction of the base、The owner and the enterprise reflect more outstanding“Financing difficult”problems，Hainan province key for financial institutions to expand credit availability scale，Direct financing hit a record high，Active exploration using the insurance funds。

　　根据海南省上半年经济运行数据，海南省施工项目个数为1848个，同比增长21.7%。其中，新开工的项目为485个，增长51.1%。以项目投资为重点的全省固定资产投资完成955.75亿元，同比增长43.0%，比一季度增速加快19个百分点。这些数据背后都离不开金融业的强力信贷支撑。

According to the economic operation data in the first half of hainan province，Hainan province, the number of construction projects for 1848，Year-on-year growth of 21.7%。the，Start a new project for 485 a，Growth of 51.1%。To project investment as the focal point of investment in fixed assets of the whole province completed 95.575 billion yuan，Year-on-year growth of 43.0%，To speed up the growth of 19% in the first quarter than。The data from the financial industry behind the strong credit support。