和讯网消息 第三届中国西部金融论坛9月25日在成都举行，中国人民银行副行长李东荣在论坛上表示，将积极支持西部地区扩大对外开放和发展边境贸易，扩大结算试点，推动云南、广西、新疆分别实行人民币对老挝等的货币挂牌交易，积极支持广西东信、云南瑞丽等开发试验区，以及新疆喀什的建设。

HeXunWang news the third China western financial BBS on September 25, held in chengdu,The people's bank of China deputy governor LiDongRong in BBS on Wednesday,Will actively support the western region expand opening to the outside world and development of border trade,Expand settlement pilot,Pushing yunnan/guangxi/Xinjiang a RMB respectively to Laos, listed for trading currency,Actively support DongXin in guangxi/Ruili and development experimental zone,And the construction of the xinjiang region.

　　今年在全国经济压力的情况下，西部地区GDP平均增速12.3%，高于全国平均水平4.5个百分点，从长期来看，西部地区经济发展的潜力很大。但目前经济发展的方式比较粗放，经济结构不合理的问题存在一定程度上，制约了西部地区的可持续发展。

In the national economy this year under the pressure,The western region the average GDP growth of 12.3%,Above the national average of 4.5%,In the long run,Economic development in western area of great potential.But the present economic development is comparatively extensive,The economic structure unreasonable problems to some extent,Restricted the sustainable development of the western region.

　　央行着力优化信贷结构，充分的发挥存款准备金政策的作用，加大中央银行贷款区域间的调整力度，充分发挥信贷政策的指导作用，鼓励金融机构将信贷资金更多的投向能源、资源产业，先进装备制造业，战略性新兴产业以及旅游业，将西部地区的资源优势尽快的转变为经济优势。

The central bank to optimize the credit structure,Full play the role of the deposit reserve policy,Increase central bank loans regional adjustments,Give full play to the credit policy guidance,To encourage financial institutions will credit funds more to energy/Resources industries,Advanced equipment manufacturing industry,Strategic emerging industry and tourism,Will the resources advantage of western China as soon as possible into economic advantages.

　　李东荣同时强调，与东部地区相比，目前西部地区金融产品多样化，金融服务个性化的程度相对较低，金融创新的问题比较突出，要从西部地区经济社会发展的实际需要出发，以市场为导向，积极稳妥的开展金融组织创新，产品和服务模式创新，提高西部地区金融业的深度和广度。要充分运用现代科技成果，促进科技与金融的深度结合，不断提高金融服务效率，有关部门和地方政府要对金融创新营造有力的外部环境和政策条件。

LiDongRong emphasized,Compared with the eastern region,At present the western region financial product variety,Financial services personalized level is relatively low,The problem of financial innovation is more outstanding,From the social and economic development in the western region of the practical needs,Take the market as the guidance,The active and steady development of financial organization innovation,Products and service mode innovation,Improve the western region the width and depth of the financial industry.To make full use of modern science and technology achievements,To promote science and technology and the depth of the financial combination,Continuously improve the efficiency of financial services,The relevant departments and local governments to financial innovation, create the powerful external environment and policy conditions.

李东荣在论坛上发言 LiDongRong BBS in the speech

　　以下为李东荣发言实录：

The following is LiDongRong speech memoir:

　　李东荣：尊敬的巨峰省长，甘霖省长，各位来宾，各位朋友，大家上午好。首先请允许我代表中国人民银行对本次论坛召开表示热烈的祝贺。中部西部金融论坛成功举办了两届，社会影响力逐渐扩大。本届论坛将以转变发展方式，强化金融支持，加快西部发展为主题，深入的探讨金融业如何更好的支持西部地区经济发展方式转变和经济结构调整。这对于促进西部地区经济社会的长期平稳健康发展具有十分重大的意义。

LiDongRong:Respect of the giant peak governor,Showers governor,Ladies and gentlemen,friends,Good morning everyone.First of all, please allow me, on behalf of the people's bank of China on this BBS held a warm congratulations on.Western central financial BBS successfully hosted the two terms,Social influence gradually expand.This BBS will change development mode,Strengthening financial support,The western development as the theme,Deep discussion financial industry how to better support the western region's economic development mode change and economic structure adjustment.The western region to promote economic and social long-term stable healthy development has a very important significance.

　　下面我结合本次论坛的主题谈几点看法，供各位参考。

Below I combined with the theme of this BBS few opinions,For your reference.

　　一西部大开发战略取得巨大成就，新形势下西部地区加快转变发展方式，调整结构的任务更加突出。西部地区在我国经济发展中具有不可替代的重要战略地位。

One the great western development strategy made great achievements,Under the new situation the western region to speed up the transformation development way,The task of adjustment of structure is more outstanding.The western region in China's economic development have irreplaceable important strategic position.

　　改革开放以来，特别是西部大开发以来，认真落实中央战略决策部署，牢牢抓住战略发展机遇，经济发展取得了巨大的成绩，成为全国经济发展新的增长引子。比大开发前增长了5.3倍，占全国的比重达到19.8%，主要的经济指标年均增速高于全国平均水平。今年在全国经济压力的情况下，西部地区GDP平均增速12.3%，高于全国平均水平4.5个百分点，从长期来看，西部地区经济发展的潜力很大。

Since the reform and opening up,Especially since the development of the western region,Earnestly implement the central strategic decision deployment,Firmly seize the strategic development opportunity,Economic development has achieved a great deal,Become the new growth point of economic development.The great development of than the former increased 5.3 times,Accounts for the proportion of 19.8%,The main economic indicators with an average annual growth is higher than the national average.In the national economy this year under the pressure,The western region the average GDP growth of 12.3%,Above the national average of 4.5%,In the long run,Economic development in western area of great potential.

　　但目前经济发展的方式比较粗放，经济结构不合理的问题存在一定程度上，制约了西部地区的可持续发展。主要表现在农业基础薄弱，服务业发展滞后，经济增长主要依靠投资带动的局面未得到改变，滴投入的方式导致资源环境增大，城镇化发展水平有待进一步提升。党的十七大明确提出了加快转变经济发展的，“十二五”的规划纲要强调未来五年我国经济社会发展，以加快发展促进发展方式为逐渐，坚持把经济结构作为加快转变方式，主流方向。促进经济平稳加快发展，如此可见，加快转变经济发展方式已经成为当前和今后时期西部经济发展的战略作用。

But the present economic development is comparatively extensive,The economic structure unreasonable problems to some extent,Restricted the sustainable development of the western region.Mainly in agriculture as the foundation of the weak,Service industry development lag,Economic growth mainly depend on investment drive situation has not been changed,Drop into the way to increase resources and the environment,The urbanization development level remains to be further ascension.The party's seventeen greatly explicitly proposed to speed up the transformation of the economic development,"1025"The plan for the next five years emphasis on China's economic and social development,To accelerate the development of promoting development mode for gradually,Insist that the economic structure as a way to speed up the transformation,Mainstream direction.Promote balanced economic development to speed up,So visible,To speed up the transformation of the mode of economic development has become the current and future periods of the development of the western economy strategic role.

　　二、金融业支持西部地区加快经济发展的方式转变和结构调整的力度不断增强，成效显著。

two/Financial support for the western region to accelerate the economic development mode and structural adjustment efforts to enhance the,achievements.

　　金融是现代经济的核心，在市场经济条件下，无论是对已有资源的重新配置还是对资源增加的优化组合都离不开金融业的支持。近年来人民银行按照党中央国务院的部署，坚持以科学发展观为主，各金融机构认真落实党中央国务院关于西部大开发的举措部署，综合运用各种货币政策工具，加强宏观信贷政策指导，切实加大对三农的支持力度，对西部地区发展决策转变和结构调整支持转变。着力优化信贷结构，充分的发挥存款准备金政策的作用，

Finance is the core of modern economy,Under the condition of market economy,Whether the existing resource reconfiguration or to increase the resources optimized combination is inseparable from the support of the financial industry.In recent years, people's bank of the party central committee in accordance with the deployment of the state council,Adhere to the scientific concept of development is given priority to,All financial institutions conscientiously implement the party central committee of the state council on the deployment of the great development of western China measures,Comprehensive use of various monetary policy tools,Strengthening macro credit policy guidance,Practically strengthen the support agriculture, countryside and farmers,In the western region development decision transformation and structure adjustment support transformation.To optimize the credit structure,Full play the role of the deposit reserve policy,

　　对西部地区资产规模，三农贷款比例较高的，以大型金融机构7个百分点的存款金率。对当地法人的金融机构实行正常标准1个百分点的存款准备金率，加大中央银行贷款区域间的调整力度。截至今年8月末西部经济的金融债，充分发挥信贷政策的指导作用，鼓励金融机构将信贷资金更多的投向能源、资源产业，先进装备制造业，战略性新兴产业以及旅游业，将西部地区的资源优势尽快的转变为经济优势。

In the western region asset scale,Agriculture loan proportion higher,To large financial institutions a 7% deposit gold rate.On the local corporate financial institutions to the normal standard of 1% of the deposit reserve rate,Increase central bank loans regional adjustments.By the late August this year of the economy of the western region financial bond,Give full play to the credit policy guidance,To encourage financial institutions will credit funds more to energy/Resources industries,Advanced equipment manufacturing industry,Strategic emerging industry and tourism,Will the resources advantage of western China as soon as possible into economic advantages.

　　二是稳步推进利率市场化改革，与人民币汇率机制改革，充分发挥杠杆在优化配置中的作用。近年来我国利率市场化改革取得积极进展，以全面实现货币市场与债券市场，将金融机构存款利率的上限调整为基准利率的1.1倍，贷款利率区间的下限调整为基准利率的，将定价机制建设合理确定为存贷款浮动幅度。同时稳步推进人民币汇率形成机制改革，保持人民币汇率在合理均衡水平上的基本稳定，提高汇率弹性，发挥汇率对经济结构调整的积极作用。自2005年启动会展资金，人民币对美元汇率的由千分之三扩大到目前的百分之一。

The second is steadily promote the development of market-oriented interest rate reform,And the RMB exchange rate mechanism reform,Give full play to the role of leverage in the optimal allocation.In recent years our country interest rate marketization reform made positive progress,To fully realize monetary market and bond market,Will financial institutions deposit interest rate upper limit adjustment as the benchmark interest rate 1.1 times,Loan interest rate lower limit of interval is adjusted for the benchmark interest rate,To reasonably determine the pricing mechanism construction for loan floating range.At the same time steadily the RMB exchange rate formation mechanism reform,Keep the RMB exchange rate at a reasonable equilibrium level basically stable,Improve the flexibility of the exchange rate,Play to the exchange rate of the economic structure adjustment, positive role.Since 2005, the exhibition funds start,The RMB against the us dollar exchange rate from three over one thousand expanded to the current one percent.

　　三是全面推进农村金融产品和服务方式创新。发行专项票据241亿元，在西部地区积极推进农村金融产品和服务方式创新试点工作，大力发展小额信用贷款和农村微型金融切实加强对涉农基础设施建设的信贷支持。做好集体林权改革，加强农村信用体系建设，推进信用户，信用村，信用乡村的建设，加快普及农村便民支付点，开展金融IC岗，多应用试点，加快银行向芯片的推进。推进金融IC卡的自动提款机，对人民群众提供安全便捷的工具。

Three is to promote the rural financial products and service mode innovation.Special note issued 24.1 billion yuan,In the western regions of China actively promote the process of rural financial products and service mode innovation pilot work,Vigorously develop small credit loans and rural microfinance earnestly strengthen the agricultural infrastructure construction of credit support.Do the collective forest tenure reform,To strengthen the rural credit system construction,Propulsion letter user,Credit village,The construction of rural credit,To speed up the popularization rural pay for the convenience of the point,To carry out financial IC thin,Many application pilot,To speed up the bank to chip propulsion.To promote financial IC card in the ATM machine,The people provide a safe and convenient tool.

　　四是改进和完善中小企业服务，切实缓解中小企业融资难的问题。推动适合中小企业金融需求特点的组织架构，管理制度、信贷模式和产品创新。缓解中小企业融资难、融资贵问题，加快银行间债券市场发展，大力推广区域集优融资模式。截至今年8月末西部地区已经有22家中小企业累计发行票据，融资共计33亿元，同时支持小额贷款公司的非金融机构发展合理引导民间投资。

Four is to improve and perfect the small and medium-sized enterprise service,To ease the problems of financing difficulties of the small and medium-sized enterprises.Promote suitable for small and medium-sized enterprise financial demand characteristics of the organizational structure,Management system/Credit model and product innovation.Alleviate the financing of small and medium enterprises difficult/Financing your problem,To speed up the market of the bond between the bank development,Promoting regional set optimal financing mode.By the late August this year, the western region has been 22 home small businesses accumulated release notes,Financing a total of 3.3 billion yuan,At the same time support small loan company's non-financial institutions development guide rational private investment.

　　五是积极支持西部地区扩大对外开放和发展边境贸易，扩大结算试点，西部12省区市均可以开展人民币跨境结算，与俄罗斯、越南、老挝、继而巴基斯坦，促进西部地区边贸发展，推动云南、广西、新疆分别实行人民币对老挝等的货币挂牌交易，与信贷政策、外汇管理、支付结算等为抓手积极支持广西东信、云南瑞丽等开发试验区，以及新疆喀什的建设。

5 it is actively support the western region expand opening to the outside world and development of border trade,Expand settlement pilot,These western 12 all can conduct the renminbi cross-border settlement,And Russia/Vietnam/Laos/Then Pakistan,To promote the development of the western region border trade,Pushing yunnan/guangxi/Xinjiang a RMB respectively to Laos, listed for trading currency,And credit policy/Foreign exchange management/Payments and settlement as gripper active support DongXin in guangxi/Ruili and development experimental zone,And the construction of the xinjiang region.

　　六是全力抓好民生金融，对西藏实行优惠贷款。发挥金融支持西部扶贫开发的积极作用，支持农民工高校毕业生、残疾人等群体创业促就业，积极做好汶川地震、玉树地震和舟区灾后重建的金融支持和服务工作。

The sixth is to pay special attention to the people's livelihood financial,Implement preferential loans in Tibet.Financial support the western play the positive role of poverty alleviation and development,Support migrant workers college graduates/The disabled groups such as venture to promote employment,Completes the wenchuan earthquake/Yushu seismic and subjective area post-disaster reconstruction of financial support and service work.

　　三金融业要加快转变发展方式，进一步提升服务西部地区经济社会发展的能力和水平。

Three financial industry to speed up the transformation development way,Further increasing the service of economic and social development in the western region of the ability and level.

　　当前和今后一个时期是推进西部大开发战略承前启后的关键时期，也是金融支持西部全面建设小康社会的关键时期，更是西部金融业实现跨越式发展重要战略机遇期。西部地区产业结构优化升级，中小企业发展节能减排和改善民生等各项政策的实施，将给金融业带来新的发展机遇，同时也提出了更高的要求。服务国家西部大开发战略，加快发展方式转变和经济结构战略调整的体制、机制，进一步推进金融产品和服务方式的创新，实现经济金融和谐、可持续发展。

Current and future a period it is to advance the great western development strategy of past critical period,Is financial support the west the comprehensive construction affluent society's key period,The western financial industry is the great-leap-forward development of the important period of strategic opportunities.The western region the industrial structure optimization and upgrading,Small and medium-sized enterprise development of energy saving and emission reduction and improve the livelihood of the people and so on each policy implementation,Will give financial industry brings new opportunities for development,At the same time also put forward higher request.Service state the great western development strategy,To speed up the development mode change and economic structure strategic adjustment of the system/mechanism,Further financial products and service mode innovation,To realize economic and financial harmonious/Sustainable development.

　　一是要加快金融业自身发展方式转变，继续深入金融改革，进一步健全西部地区的金融机构，西部地区的金融机构要加快转变发展方式，着力完善现代金融企业制度，强化内部管理，提高创新发展能力和金融服务水平，改变过去主要依赖规模扩张的粗放经营模式，要加快构建多元化的盈利模式，开拓新业务，加大对“三农”和小微企业，特别是新兴产业的金融支持，培育新的盈利增长点。

One is to speed up the financial industry's own development mode change,Further financial reform,Further improve the western region's financial institutions,The western area of the financial institutions to speed up the transformation development way,To improve the modern financial enterprise system,Strengthen internal management,To improve innovation capacity development and the financial service level,Change the past mainly depends on the scale expansion of extensive management pattern,To speed up the construction the profit pattern of diversification,Develop new business,Strengthen the"Agriculture, countryside and farmers"And small micro enterprise,Especially the emerging industry of financial support,Foster new profit growth point.

　　二是要积极稳妥的推进金融创新，要结合国家产业和西部大开发的政策，突出对重点领域的金融支持。与东部地区相比，目前西部地区金融产品多样化，金融服务个性化的程度相对较低，金融创新的问题比较突出，要从西部地区经济社会发展的实际需要出发，以市场为导向，积极稳妥的开展金融组织创新，产品和服务模式创新，提高西部地区金融业的深度和广度。要充分运用现代科技成果，促进科技与金融的深度结合，不断提高金融服务效率，有关部门和地方政府要对金融创新营造有力的外部环境和政策条件。

The second is to promote the active and steady financial innovation,According to the national industry and the western development policy,Focus on the key areas of financial support.Compared with the eastern region,At present the western region financial product variety,Financial services personalized level is relatively low,The problem of financial innovation is more outstanding,From the social and economic development in the western region of the practical needs,Take the market as the guidance,The active and steady development of financial organization innovation,Products and service mode innovation,Improve the western region the width and depth of the financial industry.To make full use of modern science and technology achievements,To promote science and technology and the depth of the financial combination,Continuously improve the efficiency of financial services,The relevant departments and local governments to financial innovation, create the powerful external environment and policy conditions.

　　三是结合西部地区特点和产业优势，进一步完善金融支持政策，充分发挥信贷政策的引导作用，积极采取措施，有效满足西部大开发的合理需求，进一步加强中央银行金融债贷款的管理，促进金融债贷款的结构优化，面向西部地区农业主产区，现代农业发展较快的地区倾斜，继续实行优惠的法定存款准备金率，增强西部地区金融机构的信贷能力。支持符合西部地区实际的债务融资品种创新，努力拓宽企业直接融资渠道，在支付清算征信管理货币管理等方面进一步改善服务，继续加强西部地区，更好的发展西部金融的需要。

Three is a combination of the western region characteristics and industrial advantages,To further improve the financial support policy,Give full play to the credit policy guidance,Actively take measures,The development of the western region effectively meet the reasonable requirements,To further strengthen the central bank financial bond loan management,Promote the financial bond loans structure optimization,Facing the western region the main agriculture,The fast development of modern agriculture areas tilt,Continue to implement preferential legal deposit reserve rate,Enhance the western region of financial institutions in the credit capacity.Support conforms to the western region the actual debt financing variety innovation,Efforts to broaden the enterprises of our country direct financing channels,In the payment and settlement reference management monetary management to further improve service,Continue to strengthen the western region,The development of better western financial needs.

　　四是要主动有效的防范和化解金融风险当前国内外下行压力加大，金融领域的各类风险隐患容易暴露出来，要特别重视推进中小企业和农村信用体系建设，确实降低信用风险的同时，以诚信吸引更多的区域外资金流入。强化资本约束，加强风险管控，确保不发生大的风险案件，与金融监管部门加强监管，充实完善金融应急预案，对重点地区，重点领域的风险，早发现，早提示，早处置，牢牢锁住不发生区域性金融风险的底线，在经济建设中的客观规律，积极发挥市场机制的作用，加强金融生态建设，为金融业的健康发展创造良好的环境。

The fourth is to be active and effective guard against and defuse financial risks current downward pressure increase both at home and abroad,In the field of finance in all kinds of risks exposed easily,To pay special attention to promote small and medium-sized enterprises and rural credit system construction,Really reduce credit risks at the same time,By the good faith attract more regional external capital inflows.Strengthen capital constraint,To strengthen risk control,Ensure do not produce great risk case,And financial regulatory authorities to strengthen supervision,Enrich the perfect financial emergency plan,The key areas,The risk of key areas,Early detection,Early hints,Early treatment,Firmly chains do not occur regional financial risks of the bottom line,In the economic construction of the objective law,To give full play to the function of the market mechanism,Strengthening the financial ecological construction,For the healthy development of the financial industry to create a good environment.

　　各位来宾，女士们，先生们，当前我国西部地区的经济社会发展已经站在新的历史起点上，未来发展的空间和潜力十分巨大，希望大家充分利用本次论坛提供的平台畅所欲言，为实施西部大开发战略促进我国金融业发展创新，积极出谋划策，共同推动西部经济经济社会发展实现新的跨越。

Ladies and gentlemen,ladies,gentlemen,In western region of China, the current economic and social development has standing at a new historical starting point,The future development of space and potential is very great,Hope you make full use of this BBS provide platform speak freely,For carrying out the strategy for western development to promote the innovation of China's financial industry development,Positive ideas,To promote economic and social development in western economy to achieve the new spanning.

　　最后预祝中国西部金融论坛取得圆满成功，谢谢大家。

Finally I wish China western financial BBS a complete success,Thank you.