■本报记者 夏 青

S our reporter summer green

　　在本次夏季达沃斯论坛上，中国金融改革成为热点，与会专家就金融改革分享了各自的观点。

In the summer davos in the BBS,China's financial reform become hot,The expert is financial reform to share their views.

　　前世界银行首席经济学家林毅夫称，利率市场化已经在往前走，但更重要的金融改革要在能够给中小企业、农户提供金融服务的中小金融机构、地区银行等金融机构中推进。

Former world bank chief economist Justin yifu Lin said,Interest rate marketization has been farther,But more important financial reform should in be able to small and medium-sized enterprises/Farmers to provide financial services of small and medium-sized financial institutions/Regional Banks, and other financial institutions in advance.

　　林毅夫认为，对金融的抑制和对自然资源价格的扭曲是造成现在收入分配不均的主要来源。

Justin yifu Lin think,To financial inhibition and the natural resource price distortion caused by uneven distribution of income is now the main source.

　　广发银行行长利明献表示，未来银行的高利润不可持续，目前是银行业调整的好时机。银行自身应加强调整，走差异化、精致化的路线，更多地关注中小企业和零售客户。

Guangdong development bank President said the Ming offer,The future bank lucrative unsustainable,Now a good time to adjust is the banking industry.Banks themselves should strengthen the adjustment,Go differentiation/Refinement route,More attention to small and medium-sized enterprises and retail clients.

　　利明献认为，利率市场化是一个不断推进的过程，现在只是迈出了第一步。已经对金融机构和市场有一个正面刺激作用，接下来，如果对市场的发展、客户的服务以及成本有利，将促进利率市场化的进程。

The Ming offer think,Interest rate marketization is a continuously advancing process,Now, just take the first step.Have to financial institutions and market have a positive stimulation,The next,If for the development of the market/Customer service and cost advantage,Will promote the process of interest rate marketization.

　　“现在宏观经济下行，金融机构面临较大风险控制的挑战，利率市场化也需要采取一些配套措施，或者时间进程能够起到一个平缓的作用。”利明献说。

"Now macroeconomic descending,Financial institutions are facing the challenge of larger risk control,Interest rate marketization also need to take some supporting measures,Or time process can have a gentle role."Offer the Ming said.

　　利明献还认为，中国金融行业未来5年的最大发展趋势是迎来行业大融合。金融机构之间将呈现明显的交叉发展趋势，各种机构之间在竞争合作的基础上不断整合。综合性的金融服务机构将成为行业领军，金融机构将不在提供单一产品服务，金融产品服务将不断贯穿不同机构。

The Ming offer also thought,China's financial industry in the next five years of maximum development trend is the fusion in industry.Between financial institutions will take on obvious cross development trend,All kinds of institutions in the competition and cooperation between continually on the basis of integration.Comprehensive financial services institutions to become the industry leader,Financial institutions will not provide a single product service,Financial products and services will continue through different organizations.

　　招商银行(600036,股吧)行长马蔚华则表示，摆脱金融危机只能靠技术革命和创新。只有在信息化革命面前，仅仅有30年历史的中国银行(601988,股吧)业与历史悠久的西方银行业才能够平等竞争。

Merchants bank(600036,guba)President MaWeiHua, said,Get rid of financial crisis can only rely on technology revolution and innovation.Only in the information before the revolution,There is only 30 years history in the bank of China(601988,guba)Industry and a long history of western banking can equal competition.

　　马蔚华认为未来的银行业有三种发展趋势，一是移动支付，2011年，中国移动支付的资金规模是2400亿左右，但每年20%左右的增长，将很快达到万亿的规模。二是人人贷。这类基于充分协商进行的交易不但可以降低交易成本，还能够降低风险。三是众筹融资。这种融资模式可能取代目前的投行和商业银行部分业务，这两个行业都将因此面临风险。

MaWeiHua believe that the future of banking there are three kinds of development trend,One is the mobile payment,In 2011,,China mobile payment fund scale is around 240 billion,But the growth of about 20% each year,Will soon reach trillion scale.The second is everyone credit.This kind of transaction based on full consultation can not only reduce transaction costs,Can also reduce risk.The third is the are comprehensively expounded.The financing model can replace the current investment Banks and commercial Banks to part of the business,The two industries will therefore at risk.