珠海横琴新区关于离岸人民币在岸结算的实施细则已经成文，并上报广东省相关部门。

Zhuhai hengqin new offshore RMB on the detailed rules for the implementation of the settlement has been written，Guangdong province and report to relevant departments。

　　这是《第一财经日报》记者从昨天召开的“从横琴视角看粤港澳区域经济一体化发展论坛”上得到的消息。横琴新区管委会主任牛敬回答本报记者提问时称，横琴的人民币离岸结算业务也是广东省金融创新的重要组成部分，从目前在省里面征求意见的情况来看，反馈的意见都是很积极的。实施细则公布时间，尚未确定。

This is《The first financial daily》Reporters from yesterday held“Hengqin perspective from guangdong regional economic integration development BBS”Get on the news。Hengqin new district management committee director NiuJing answer questions our reporter said，Hengqin of an offshore RMB settlement business of guangdong province is an important part of financial innovation，From the current in the province for advice in the situation，Feedback opinions are very positive。Published detailed rules for the implementation of the time，Have yet to determine。

与前海错位发展 And the former sea dislocation development

　　7月25日，广东省《关于全面推进金融强省建设若干问题的决定》（下称《决定》）正式公布，明确横琴可以发展人民币离岸结算业务。

July 25，Guangdong province《On comprehensively advancing financial strong province construction some issues of the decision》（said《Decided to》）Officially announced，Clear hengqin can develop an offshore RMB settlement business。

　　《决定》指出，深圳前海、珠海横琴、广州南沙将作为金融创新平台，打造成为引领金融改革创新的重要引擎。三者的分工为，深圳前海注重与香港资本市场的对接和错位发展，探索资本项目对外开放和人民币国际化的新路径。广州南沙利用广州在珠三角地区的龙头地位为产业提供配套，大力发展与实体经济相关的产业金融创新业务。而珠海横琴则重点发展离岸金融，组建多币种产业投资基金，为国际自由贸易提供配套服务。

《Decided to》Pointed out that，Shenzhen sea before、Zhuhai hengqin、Guangzhou nansha will as a financial innovation platform，Make become leading financial reform and innovation of the important engine。The three division of labor for，Shenzhen sea before the attention and the Hong Kong capital market butt and dislocation development，Explore capital account opening up and RMB internationalization new path。Guangzhou nansha use of guangzhou in the pearl river delta region in the leading position for the industry to provide matching，Developing with the entity economy related industry financial innovation business。And zhuhai hengqin is focus on the development of offshore，More than a currency industry investment fund，For the international free trade to provide supporting services。

　　牛敬在论坛上表示，金融合作是粤港澳紧密合作的一个重要方面。横琴开发起点低、底子薄，就要善于主动配合香港国际金融中心建设，建立特色的金融产品和服务，加快推动组建各种新型金融机构和股权投资机构，拟定相关优惠政策措施，鼓励港澳金融机构在横琴设立分支机构或设立后台服务机构。

NiuJing in BBS on Wednesday，Financial cooperation is close cooperation of guangdong, one of the most important aspects。Hengqin development low starting point、undeveloped，Will actively cooperate with good at Hong Kong international financial center construction，Building characteristics of financial products and services，To speed up the promote form all kinds of new type of financial institutions and equity investment institutions，Relevant preferential policies and measures have worked，Encourage financial institutions in Hong Kong and Macao hengqin set up branches or set up background service agencies。

　　他透露，香港的工银国际已经在横琴新区注册了17个股权投资合伙企业，募集资金已经超过100亿元，港澳多家银行相继提出在横琴新区设立机构的意向。“这两天我们一直在不断地接触各种各样的基金团队。”牛敬说。

He revealed，The work of the Hong Kong silver international has been in hengqin new city registered 17 equity investment partnership enterprise，To raise funds has more than 10 billion yuan，Hong Kong and Macao many Banks successively put forward in hengqin new city set up organizations intent。“This two days we have been constantly come in contact with all sorts of fund team。”NiuJing said。

　　今年5月，横琴正式发布《珠海横琴新区鼓励股权投资基金企业及股权投资基金管理企业发展的试行办法》，自此拉开金融创新的大幕。

In may this year，Hengqin issued a formal《Zhuhai hengqin new city to encourage equity investment fund enterprise and equity investment fund management enterprise development of the provisional measures》，Since then open the financial innovation。

　　至于前海和横琴二者在金融方面如何错位发展，牛敬表示，在一些具体业务上，前海与横琴会有相似点，比如会发展跨境贷款业务。但两者功能定位与辐射范围不同，不会恶性竞争而是实现有效互补。前海是探索对接人民币国际化路径来巩固香港亚洲金融中心的地位，横琴是为了对接澳门乃至珠三角，两者对应的辐射范围不一样。

As for the sea before and hengqin both in the financial aspects how to dislocation development，NiuJing said，In some specific business，Sea before and hengqin will have similar point，For instance will development cross-border loan business。But both the function orientation and radiation range is different，Not malignant competition but realize effective complementary。Sea before is to explore butt RMB internationalization path to consolidate Hong Kong Asian financial center position，Hengqin to butt macau and the pearl river delta，Both the corresponding radiation range is not the same。

　　金融产业发展存争议 Financial industry development controversial

　　在横琴是否该发展金融产业和金融产业发展方向的问题上，两地学者观点不一。

In hengqin whether the development of financial industry and financial industry development direction on the problem，The two scholars disagree with each other。

　　香港中文大学全球经济及金融研究所常务所长庄太量认为，因为特殊的区位优势，横琴在葡语国家市场很大。他指出，巴西是南美洲最大一个新兴国家，也是下一届奥运会的承办方，所以经济发展会很快，对货币和贸易的需求也会越来越大，今后对人民币的业务也会很大，所以横琴可以寻找葡语国家市场。

The Chinese university of Hong Kong global economic and financial research institute standing director zhuang too quantity think，Because of the special location advantages，Hengqin portuguese-speaking countries in a huge market。He pointed out that，Brazil is one of the biggest emerging countries in South America，Is the next Olympic promotional，So the economic development will soon，On currency and trade demand will also is more and more big，The future for RMB business also will be very big，So hengqin can find portuguese-speaking countries market。

　　德意志银行大中华区首席经济学家马骏提出，除了参考前海的政策以外，横琴可以开拓有自己特色的金融服务，比如为中小企业融资提供债券市场的服务，并可尝试为澳门居民开放目前只有内地居民可以享受的人民币金融服务。

Deutsche bank chief economist in the greater China region put forward a fair，In addition to reference before the policy of the sea beyond，Hengqin can develop have their own characteristic of financial services，Such as the financing of small and medium enterprises to provide the bond market service，And can try for Macao residents open at present only mainland residents can enjoy RMB financial services。

　　香港中国金融协会副主席宋敏在上个月的横琴金融创新研讨会上提出，消费金融可以成为横琴的探索方向。他指出，消费金融这一块在我国的发展相对欠缺，更多的银行贷款是提供给企业特别是大企业的。但国际上比较发达的金融体系都是跟消费体系有关的，这种结构也可促进澳门、珠海休闲产业的发展。

Hong Kong Chinese finance association, vice chairman of SongMin during last month's hengqin seminar on financial innovation is put forward，Consumer banking can be hengqin exploration direction。He pointed out that，Consumer banking this one in the development of our country relatively lack，More bank loans is provided to enterprises, especially large enterprise。But compares on international financial system is developed with the consumption system，The structure also can promote Macao、Zhuhai leisure industry development。

　　香港大学商学院副教授曾渊沧则直言横琴没有必要发展金融产业，“现在中国至少有31个城市要搞金融中心，实在是太多了！”他表示，一直到今天，香港都没办法完全在人民币金融方面有很大的发展，原因很简单，“这方面中央政府自己有定时间表，而中央政府对人民币的自由兑换是相当谨慎小心的。”

The university of Hong Kong school of truth is associate professor CengYuan hengqin not necessary to the development of financial industry，“China now at least 31 city to make financial center，It is too much！”He said，Until today，Hong Kong will never be able to completely in the RMB financial has very big development，The reason is very simple，“The central government has fixed schedule，And the central government to the yuan convertible is quite cautious。”

　　对于学者对横琴发展产业过多的质疑，牛敬回应称，发展七大产业并不代表着每个产业都要发展成龙头。“横琴从来没有说要打造金融中心，很多业务是可以开展的，是因为有这个市场需求。”他指出，利用横琴的创新政策和特殊的区位优势，探索出具有特色的金融业务和金融产品，能够作为香港国际金融中心的巩固和补充，能够为人民币的国际化探索作出横琴的贡献，“我们的金融业务已经开展起来了，这不是大话，而是实实在在的，现在国际金融机构都十分看好这个工作。”

For scholars to hengqin development industry too many questions，NiuJing responded that，The development of seven major industry doesn't mean each industry is to develop Jackie chan head。“Hengqin never to say to want to make financial center，A lot of business can be carried out，Because the market demand。”He pointed out that，Use hengqin innovation policies and special location advantages，To explore the features of financial business and financial products，Can Hong Kong as an international financial centre consolidate and supplement，To the internationalization of RMB to explore the contribution of hengqin，“Our financial business has carried out the，This is not big talk，But real，Now the international financial institutions was very optimistic about this job。”