和讯网消息，9月25日，“第三届中国西部金融论坛”在四川成都举行。中国银监会副主席蔡锷生在论坛上表示，银监会积极推动健全西部地区银行业的发展，引导各类银行业机构在西部地区加强机构建设，扩大覆盖面，提高政策性银行，大型银行的能力增强，股份制商业银行对西部的金融服务。

HeXunWang news,September 25,,"The third session of Chinese western financial BBS"Held in chengdu in sichuan province.Vice chairman of the China banking regulatory commission CaiESheng in BBS on Wednesday,The CBRC actively promote sound development of the western region the banking industry,Guide all kinds of banking institutions in the western regions of China to strengthen the mechanism construction,Extended coverage,Improve the policy Banks,Big Banks ability enhancement,Joint stock commercial bank to the west of financial services.

　　蔡锷生强调，要充分进行差异化竞争，也就是要鼓励银行业金融机构加大对西部地区节能环保，承接产业转型的项目的信贷支撑度；要根据市场变化特点进一步优化金融服务的风险管理，利率定价机制，业务产品创新机制。同时也要高度重视西部地区金融风险的重要性，科学把握好金融风险的普遍规律，提高西部地区风险防控的前瞻性、主动性和针对性。

CaiESheng emphasize,To sufficiently differentiated competition,Also is to encourage the banking financial institutions to increase in the western region of energy conservation and environmental protection,Undertake industry transformation project of the credit support degree;According to the characteristics of the changes of the market further optimize the financial service risk management,Interest rate pricing mechanism,Business products innovation mechanism.At the same time also should attach great importance to the western region of the importance of financial risk,Scientific grasp the universal law of the financial risk,Improve the western region of the risk prevention and control prospective/Initiative and pertinence.

蔡鄂生在论坛上发言 CaiESheng BBS in the speech

　　以下为蔡锷生发言实录：

The following is CaiESheng speech memoir:

　　尊敬的各位领导，各位来宾，女士们先生们，很高兴参加第三届中国西部金融论坛在这里交流和探讨，西部大开发与十二五规划推进西部地区经济社会跨越式发展。下面提两点看法，一银行业支持西部大开发，多年来银行业坚决贯彻党中央国务院精神，将西部大开发战略与推进银行业改革开放和实现自身发展引擎转型。一是积极推动健全西部地区银行业的发展，近年来银监会的政策引导各类银行业机构在西部地区加强机构建设，扩大覆盖面，提高基础金融服务战略，政策性银行，大型银行的能力增强，股份制商业银行，加快高标准，高起点，严要求。

Dear every leader,Ladies and gentlemen,Ladies and gentlemen,It is my great pleasure to attend the third China western financial BBS here exchange and discussion,The development of the western region and the western region 1025 planning promote social and economic great-leap-forward development.Ask the two views,A banking support the development of the western region,For many years banking resolutely implement the central spirit of the state council,Will the great western development strategy to promote the banking reform, opening up and realize their own development engine transformation.One is to actively promote the sound development of the western region of the banking industry,In recent years the CBRC's policy guide all kinds of banking institutions in the western regions of China to strengthen the mechanism construction,Extended coverage,Improve the basic financial services strategy,Policy Banks,Big Banks ability enhancement,Joint stock commercial Banks,Speed up the high standard,High starting point,Strict requirement.

　　截至2011年末，我国726家村镇银行中，有7层以上在中西部，有利支持了西部地区金融不断的迈上新台阶。

By the end of 2011,Our country 726 villages and towns in the bank,There are 7 above layer in the Midwest,Advantageous support to the region's financial constantly to step on a new step.

　　近年来银监会督促银行业金融机构，加大对西部地区的金融支持机构，截至今年8月末，西部地区贷款金额11.9万元，依托网店有时，推动小银行，打造社区银行为目标，为服务当地，强化三农。截至今年6月末西部地区小微企业贷款余额为1.17万元，同比增长28.2%，高于全国小微企业贷款平均水平的1.3个百分点。三是积极推动产业结构优化和区域协调发展。

In recent years the CBRC urged banking financial institutions,Increase in the western areas of financial support mechanism,By the late August this year,The western region loan amount is 119000 yuan,Relying on online sometimes,Promote small Banks,Make the community bank as the goal,For the service local,Strengthening agriculture, countryside and farmers.By the end of June this year in the western region of small small enterprise loan balance is 11700 yuan,Year-on-year growth of 28.2%,Above the national small micro enterprise loan average level of 1.3%.The third is actively promoting industrial structure optimization and the regional harmonious development.

　　近年来银监会不断完善差异化的竞争，鼓励银行业金融机构加大对西部地区节能环保，承接产业转型的项目的信贷支撑力度，城市科技和金融结合实际。有效的金融支持为西部地区增强综合经济实力。

In recent years the CBRC constantly improve differentiation competition,Encourage the banking financial institutions to increase in the western region of energy conservation and environmental protection,Undertake industry transformation project of the credit support,City technology and financial actual.Effective financial support for the western region enhance comprehensive economic strength.

　　2007年以来，西部地区增长速度以连续5年超过7%，已经在近三年终超过东部，同时西部地区生态建设和环境保护，城乡面貌的发展变化，各项社会适应发展不断加快，群众生活不断改善。

Since 2007,The western region growth rate for five years to more than 7%,Have been in nearly three year-end more than the east,At the same time the western region ecological construction and environmental protection,The development of the urban and rural face,The social adaptation development continues to accelerate,Life is improving the masses.

　　二、银行业支持西部地区发展前景良好，党中央国务院明确指出，深入实施西部大开发战略在我国区域发展总体战略中具优先作用，在支持西部地区经济社会跨越式发展过程中银行业拥有广阔的发展前景和机遇，并将发挥重要作用。从量上来说当前我国银行业资产占全国资产的9层左右银行业是实体经济的重要部分，强调增强西部地区综合发展能力和可持续发展。银行业通过自身风险管理和信贷杠杆的功能，微观上有利于形成市场化约束，宏观上有利于推动西部地区经济结构优化调整，增强经济发展战略。与此同时，银行业应当加强服务西部经济发展，国际金融危机充分表明金融发展国际实体经济会放大金融业的控制，发挥西部地区资源有时，有序承接产业转型，为解决我国整体解决发展中起着可协调，可持续的作用，也是实践科学发展观的总体要求。

two/Banking support the western region has a good development prospect,The state council made it clear that the party central committee,Further carrying out the strategy for western development in China in the general strategy for regional development with priority action,In support of the western region in the process of social and economic great-leap-forward development banking has wide development prospects and opportunities,And will play an important role.From the amount for the current our country banking assets of the national assets around 9 layer banking industry is an important part of the real economy,Emphasize enhance the western region comprehensive developing ability and sustainable development.Banking through its own risk management and credit lever function,On microscopic help to form marketization constraint,The macro is helpful to promote the regional economic structure optimization and adjustment,Enhance the economic development strategy.meanwhile,The banking industry should strengthen the service the western economic development,The international financial crisis fully shows that financial development international entity economy will enlarge financial control,Play to the western region resources sometimes,In order to undertake industry transformation,In order to solve our country whole settle developing plays can coordinate,Sustainable role,Practice the scientific concept of development is the overall requirements.

　　从当前形势看，我国银行业加大对西部地区的支持力度要做好三件工作。

From the current situation to see,In the western areas of China's banking industry increase support to do three pieces of work.

　　一、积极做好战略规划，银行业更加自动的与国家发展占相结合，将实施了西部大开发战略，坚持发展观将西部发展作为重要的战略意义在资源分配。不断提高金融分步实现银行业发展的均衡协调。

a/Completes the strategic planning,Banking more automatic and state of development of combination,To implement the western development strategy,Adhere to the development of the west development as an important strategic significance in the allocation of resources.Constantly improve the financial step to realize the development of banking balanced coordination.

　　二是促进优化体制机制。市场变化特点进一步优化金融服务的风险管理，利率定价机制，业务产品创新机制。加快个性化，差异化发展步伐，不断提高满足西部地区发展，和促进功能，奠定科学的机制。不断完善西部地区经济发展的体制机制。

The second is to promote the optimization of system mechanism.Characteristics of the changes of the market further optimize the financial service risk management,Interest rate pricing mechanism,Business products innovation mechanism.Speed up the individualized,Differentiation development step,Continuously improve to meet the development of the western region,And promote function,Lay a scientific mechanism.Constantly improve the economic development in the western region of the system mechanism.

　　三是增加风险防范，要高度重视西部地区金融风险的重要性，科学把握好金融风险的普遍规律。提高西部地区风险防控的前瞻性、主动性和针对性。各有关部门要坚决防范，努力做到风范早报道。特别要贯彻落实科学发展观，把握好动态风险，在坚持服务西部经济发展中，防范和化解风险，支持产业转型和推动经济结构优化升级，促进实体经济科学、协调、可持续发展，维护银行业安全稳定。

Three is to increase risk prevention,Should attach great importance to the western region of the importance of financial risk,Scientific grasp the universal law of the financial risk.Improve the western region of the risk prevention and control prospective/Initiative and pertinence.All departments concerned should resolutely forestall,Trying to make the style early reports.Particularly want to implement the scientific concept of development,A good grasp of dynamic risk,In to service the western economic development,Guard against and dissolve the risk,Support industry restructuring and promote economic structure optimization and upgrading,Promote scientific entity economy/coordination/Sustainable development,Maintaining the safety and stability of the banking industry.

　　女士们先生们，面对当前复杂多变的国际金融形势和国内的压力，我们应当充分的认识到深入落实西部大开发战略将推动工业化、城镇

Ladies and gentlemen,Facing the current complex international financial situation and domestic pressure,We should fully realize in-depth implementation of western China development strategy would promote industrialization/town

　　化、信息化等农业现代化政策，银行业要开动脑筋，一定为西部地区的经济稳健发展作出自己的贡献。最后预祝本次论坛成功，谢谢大家。

change/Informationization of policy of agricultural modernization,The banking industry to use your head,Certain for the western region's economic steady development to make its own contribution.Finally I wish this BBS success,Thank you.