本报记者 张泰欣

Our reporter hin lines

　　17日公布的《金融业发展和改革“十二五”规划》对“十二五”期间金融业的发展改革目标进行了阐述，对银行、证券、保险、外汇以及金融市场的发展改革均提出了具体要求。专家表示，《规划》的发布对我国金融机构和金融市场的改革有重要指导作用，如何进一步完善金融市场机制、加强综合风险的管控能力将是决定我国金融业规范、完善、发展的重要因素。

17 released[The financial industry development and reform"1025"planning]to"1025"During the development of the financial sector reform target were expounded,To bank/securities/insurance/Foreign exchange and financial market development and reform are put forward specific requirements.Experts say,[planning]Release to our country financial institutions and financial market reform has important guiding role,How to further perfect the financial market mechanism/Strengthen the comprehensive risk control ability will be decided to China's financial industry standard/perfect/Development of important factors.

加强市场制度建设 Strengthen market system construction

　　《规划》对金融机构、金融市场、金融服务、金融制度等提出了明确的发展目标和具体的实现路径，明确银行、证券、保险等机构下一步的发展方向和改革目标。中国人民大学金融与证券研究所所长吴晓求表示，除了对金融机构的发展予以支持外，更重要的是市场机制的形成和完善。

[planning]For financial institutions/Financial markets/Financial services/Financial system put forward clear development goal and specific realization path,Clear bank/securities/Insurance institutions such as the next development direction and reform goals.China people's university of finance and securities institute director WuXiaoQiu said,In addition to the development of the financial institutions shall support outside,More important is the formation of the market mechanism and perfect.

　　《规划》提出，“十二五”期间将积极推动金融市场协调发展，优化投融资结构，显著提高直接融资比重；加强市场制度和基础设施建设，逐步形成层次合理、功能互补的金融市场体系。吴晓求表示，对于资本市场而言，建立健全多层次的市场体系，发挥市场机制的作用，理顺制度、市场、政策机构、个人之间的关系，无疑是决定一国金融市场是否成熟完善的标志。此外，还需要进一步改善市场环境，提高上市公司质量和完善信息披露机制，使资本市场更具投资价值。

[planning]Put forward,"1025"During will actively promote finance market coordinated development,Optimization of investment and financing structure,Improve the proportion of direct financing;Strengthen market system and infrastructure construction,Gradually formed a reasonable level/Complementary functions of financial market system.WuXiaoQiu said,As for the capital market,Establish and perfect the multi-level market system,Play the function of market mechanism,Rationalize system/market/Policy mechanism/The relationship between the individual,Is undoubtedly decide a country's financial market is mature and perfect mark.In addition,Also need to further improve the market environment,Improve the quality of listed companies and improve information disclosure mechanism,Make the capital market more investment value.

　提升风险防范能力 Ascension risk prevention capacity

　　《规划》对“十二五”期间金融业将进一步推进发展和改革的领域进行了阐述。例如，稳步推进利率市场化改革，进一步放宽跨境资本流动限制，健全资本流出流入均衡管理体制，稳妥有序推进人民币资本项目可兑换；鼓励和引导民间资本进入金融服务领域；支持民间资本参与设立新型农村金融机构等。中央财经大学中国银行(601988,股吧)业研究中心主任郭田勇表示，对于银行类机构的改革，如何进一步体现市场化、国际化并提升风险管控的能力将是下一步金融业发展和改革的重要问题。

[planning]to"1025"During the financial industry will further push forward the development and reform of the field is discussed.For example,Steadily promote the development of market-oriented interest rate reform,We will further relax controls over cross-border capital flow restrictions,Sound capital outflow into equilibrium management system,Safe and orderly propulsion RMB convertible under capital accounts;Encourage and guide the folk capital into financial services;Support the folk capital to participate in establishment of new type of rural financial institutions, etc.Bank of China, the central university of finance and economics(601988,guba)Industry research center director guo TianYong said,For the reform of the banking institutions,How to further reflect market/Internationalization and improve the ability of risk control will be the next step financial development and reform the important problem.

　　《规划》对人民币国际化、外汇体制改革、资本项下的可兑换等重大问题也进行了说明。国家发改委学术委员会秘书长张燕生表示，如何做好金融风险的防范将是决定未来金融改革成败的一个重要因素。从整体看，《规划》对金融业尤其是外汇领域发展和改革的阐述探讨了很多创新业务，这将对下一步加速人民币国际化、提升中国金融机构的综合竞争力有重要指导意义。在“十二五”期间，如何管理好离岸人民币金融市场和构建金融风险“防火墙”，对中国的金融安全和金融市场的发展至关重要。只有根据国家发展战略需要，结合政策和市场的实际，进一步创新市场和产品，提升综合风险防范的能力，才能更好地发挥金融支持国家经济社会发展的积极作用。

[planning]For RMB internationalization/Foreign exchange system reform/Capital under a convertible on such major problems were explained.The national development and reform commission academic committee secretary general ZhangYanSheng said,How to do well the financial risk prevention will be to decide the future financial reform is an important factor in the success or failure of.See from the whole,[planning]To the financial industry especially in the foreign exchange area development and reform paper discusses many innovative business,This will be the next step acceleration RMB internationalization/Improve the comprehensive competitiveness of China's financial institutions have important guiding significance.in"1025"period,How to manage offshore RMB financial markets and building financial risk"firewall",To China's financial security and development of financial market is very important.Only according to the national development strategy needs,Combined with the actual policy and market,Further innovation market and product,Improve the ability of comprehensive risk prevention,Will exert better financial support for national economic and social development of the positive role.