本报天津9月12日电 记者李春霞报道：在本届夏季达沃斯论坛“中国金融改革”分论坛上，全国社会保障基金理事会理事长戴相龙说，中国金融业改革不能“只争朝夕”，而需循序渐进，要围绕人民币利率市场化和国际化稳步推进。

The tianjin on September 12 - reporter lichunxia reports:In the summer davos BBS"China's financial reform"Points on the BBS,The national social security fund chairman of board of directors to dai xianglong,China's financial sector reform cannot"Seize every minute",And should be gradual,Around RMB interest rate marketization and internationalization steadily.

　　戴相龙表示，中国目前贷款增长率比企业资本增长率高5个百分点，长期下去将对银行业构成较大风险。中国金融业改革应在利率市场化、金融机构差异化、资本项目开放，以及扩大资本形成能力等4个领域实现突破。

Said dai xianglong,China's current loan growth rate is 5% higher than the enterprise capital growth rate,Go down for a long time for the banking industry will constitute a great risk.China's financial sector reform should be in interest rate marketization/Financial institutions differentiation/Capital project open,And expand the capital formation ability four fields realize the breakthrough.

　　在利率市场化方面，戴相龙建议中央银行逐步缩小存贷款基准利率的利差，促进商业银行其他服务；发行大面额存款凭证；扩大中小金融机构的利率浮动范围；加强银行息汇的利率浮动治理；成立存款保险公司，为利率市场化、商业竞争提供保障。

In the interest rate marketization aspects,Dai xianglong suggested the central bank gradually reduce the benchmark interest rates of interest margin,To promote the commercial Banks to other services;Issue large denomination deposit certificate;Small and medium-sized financial institutions to expand the scope of the interest rate floats;Strengthen the bank interest exchange interest rate floating management;Setting up deposit insurance companies,For interest rate marketization/Business competition to provide security.

　　针对中国金融机构的组织功能同质化现象，戴相龙认为，银行应从国情出发，在直接经营主业的同时，可以投资成立附属或者控股的保险证券公司，为企业集团或跨国公司服务。

For Chinese financial institutions organization function homogenization phenomenon,Dai xianglong think,Bank we should proceed from our national conditions,In the direct business advocate course of study while,Can invest established subsidiary or holding insurance securities company,For enterprise group or multinational company.

　　就如何扩大社会资本形成能力问题，戴相龙说，国家需要建立一个社会资本统计和公布制度，统计每年社会资本分布和流动状况；要继续规范发展证券市场，特别是引导机构投资者投资股票。目前，中国的企业债券由国家发改委审批，公司债券由证监会审批，商业票据则由中国人民银行审批，今后可以先把这些债券的发行条件和程序加以规范，并逐步进入到统一市场。

Just how to expand the social capital formation ability problem,Dai xianglong,The country needs to set up a social capital statistics and publish system,Statistics, every year the social capital distribution and flow condition;Will continue to regulate the development of securities market,Especially guide institutional investors invest in stocks.At present,China's corporate bond by the national development and reform commission for examination and approval,Corporate bonds by securities regulatory commission for examination and approval,Commercial paper, the examination and approval by the people's bank of China,The future can put the issue of bonds to regulate the conditions and procedures,And gradually into the uniform market.

　　戴相龙表示，在促进人民币国际化上也需要突破。中国金融业可以对合格机构投资者在额度上不加限制。

Said dai xianglong,In promoting the internationalization of RMB also need to break through.China's financial industry can for the qualified institutional investors on the line without limit.

　　戴相龙同时表示，发展债券市场已经成为制约中国金融改革进程的问题。债券市场的良好发展可以一石三鸟，债券市场发展才能促进利率市场化、人民币国际化以及社保基金的发展。他呼吁加快制定股份投资基金管理办法，帮助中国金融机构在提供贷款的同时，合理管理银行业30万亿元人民币的居民储蓄。

Dai xianglong also said,Development of the bond market has become restrict China's financial reform process problems.The good development of the bond market can be a stone three birds,The bond market development to promote the interest rate marketization/RMB internationalization and the development of the social security fund.He called for speeding up make stock investment fund management measures,Help Chinese financial institutions in providing loans at the same time,Reasonable management banking 30 trillion yuan RMB residents savings.