■本报记者 夏 青

S our reporter summer green

　　金融改革是引领中国改革进入下一个增长时代突破口，9月12日，在夏季达沃斯论坛上，全国社会保障基金理事会理事长戴相龙表示，中国的经济和金融和世界经济金融已经连在一起，所以金融改革除了做好当前的各项改革以外，就是围绕人民币的利率市场化，人民币的国际化来推进。今后改革可能要有四个突破：

Financial reform is leading China's reform into the next growth age breakthrough,On September 12,,In the summer the davos BBS,The national social security fund chairman of board of directors said dai xianglong,China's economic and financial and the world economic and financial have together,So the financial reform in addition to the current reforms outside,Is around RMB interest rate marketization,To promote the internationalization of RMB.The future reform is likely to have four breakthrough:

　　一是利率市场化要突破、二是要完善金融组织、三是扩大社会资本形成能力上要突破、四是促进资本项目上应该有一个突破，也就是人民币国际化上有一个突破。

One is the interest rate marketization to breakthrough/The second is to perfect the financial organizations/The third is to expand social capital formation ability breakthrough/Four is to improve capital project should have a breakthrough,RMB internationalization is also have a breakthrough.

　　戴相龙认为，中国在资本项目开放问题上不是很遥远，今后几年，一定要在利率市场化方面有突破。他还表示，目前来说中国金融业还没有已经充分暴露的，造成很大影响的风险。不过目前贷款增长超过资本增长5个百分点，长期下去对银行的风险是巨大考验。

Dai xianglong think,China in the capital project open problem is not very far away,In the next few years,Must be in the interest rate marketization have breakthrough.He also said,At present, China's financial industry still has fully exposed,A big impact on risk.But current loans grew by more than 5% growth capital,Go down for a long time to bank risk is a huge challenge.

　　而中国与世界经济研究中心主任李稻葵表示，中国金融的最大的风险还是在银行，应该针对银行进行改革。加快银行资产的证券化，把一部分的银行的成熟的资产卖到债券市场上去，而且要求银行之外的投资者，比如社保基金来买。让银行的再融资压力减小，让股市的股民放心。而同时能将债券市场做大。

China and the world economic research center director LiDaoKui said,The biggest risk of China's financial or in the bank,Should be aimed at the bank reform.To speed up the bank asset securitization,The part of the bank's mature assets sold to the bond market up,And require Banks to outside investors,Such as social security fund to buy.Let the bank refinancing pressure decrease,Let the stock market investors trust.At the same time can do big bond market.

　　上海市金融服务办公室主任方星海表示，金融改革确实是所有改革非常领先的，可以起到引导性作用的领域，但金融改革不能单兵突进，经济改革也是一个系统工程。如果行业垄断，产权保护没有大的改进，很难产生一大批很有增长潜力的，能够给普通投资者带来回报的公司。而没有这种大批公司，股票市场改革难见成效。

Of Shanghai's financial services office director Mr Fang said,Financial reform is really all reform is very advanced,Can play a leading role field,But financial reform cannot solo dart,Economic reform is a system engineering.If industry monopoly,Property rights protection no big improvement,It is difficult to produce a large number of very potential for growth,Can give ordinary investors bring return company.Without this large company,The stock market reform difficult to see results.

　　利率市场化是金融改革中最重要的一环，将重塑中国银行(601988,股吧)业的未来，银行应该怎样应对。

Interest rate marketization is financial reform is the most important in a ring,Promises to reshape the bank of China(601988,guba)Industry future,The bank should be how to deal with.

　　对此，中国银行董事长肖钢表示，利率市场化和一系列国际金融监管的变化，对于中国银行业来说会产生很重要的影响，将会使中国的银行业加快转型，加快分化的趋势。转型当中就会分化。有的可能会更加注重它的经营特色，因为银行业同质化竞争比较严重。这个严重很主要的原因是外部因素，一旦利率、汇率市场化了，监管更加严格以后，各家银行都会找到符合自己自身发展的定位去发展。

this,The bank of China, chairman of the board XiaoGang said,Interest rate marketization and a series of international financial regulation changes,For China's banking industry, will produce very important influence,Will make China's banking industry to speed up the transformation,To speed up the differentiation trend.Among the transformation will differentiate.Some may pay more attention to its management characteristic,Because banking homogeneity is more serious competition.This serious very main reason is that external factors,If interest rates/Rate marketization the,After strict supervision more,Banks will find accord with their own development orientation to develop.

　　在利率市场化的情况下，各家银行的竞争机制不一样，内部定价机制不一样，所以一定会迫使银行转型，从重点关注大企业到积极发展中小企业。同时会激励金融机构加快创新。

In the interest rate marketization of cases,Banks mechanism of competition is not the same,Internal pricing mechanism is not the same,So will force the bank transformation,From the focus on big enterprise to develop small and medium-sized enterprise.At the same time will motivate financial institutions to speed up innovation.

　　他还认为，金融改革会促进大型商业银行都会加快国际化经营的步伐。

He also thinks,Financial reform will promote large commercial bank will speed up the pace of international operation.