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。中国农业银行(601288,股吧)行长张云在论坛上表示，农行将资源优势向西部倾斜，将西部地区确定为资源配置的重点区域，加大对西部区域的信贷投放，计划六年向成都提供总额不低于1千亿元的规模。同时，将综合运用信贷、投行、租赁、产业基金等经营平台创新融资方式，优先满足西部重点在建续建项目的资金需求，为西部地区经济增长提供新的引擎。

HeXunWang news,September 25,,"The third session of Chinese western financial BBS"Held in chengdu in sichuan province.Agricultural bank of China(601288,guba)President rakwar j in BBS on Wednesday,Agriculture bank will resources into the superiority of the western tilt,Will the western region for the allocation of resources to determine the key region,Increase in the western region of the credit availability,Plan for six years to chengdu to provide total amount not less than 100 billion yuan scale.At the same time,Will the integrated use of credit/Investment Banks/lease/Industrial funds management platform innovative financing way,Give priority to western important construction in construction project fund demand,For the western region to provide a new engine of economic growth.

　　他强调，农行将大力扶持西部产业升级，重点支持能源、电力、装备制造、旅游等特色产业的发展。此外，张云表示，未来将大力发展农村金融，重点进行支行的建设工程以及农村基层服务的惠农通工程，使农行解决边远地区农村基础服务的一大创新。他建议，财政政策要想农村金融倾斜，建立农业贷款贴息政策，税收政策要少，对农村金融机构实行结构性减税，监管政策要适度放宽。对西部地区农村金融机构实施包容性、差别性的监管政策。

He stressed that,Agriculture bank will strongly support the western industrial upgrading,Key support energy/power/Equipment manufacturing/The development of characteristic industry tourism, etc.In addition,Rakwar j said,The future will vigorously develop the rural financial,With the focus on the branch of construction works and rural grassroots service of benefiting pass engineering,Agriculture bank to solve the rural basic services in rural areas a great innovation.He suggested that,Fiscal policy to rural financial tilt,The establishment agriculture loan discount policy,Taxation policy should be less,Rural financial institutions to implement structural tax reduction,Regulatory policy should be moderately relaxed.The western region rural financial institutions to implement inclusiveness/Disparate regulatory policy.

中国农业银行行长张云 Agricultural bank of China governor rakwar j

　　以下为张云发言实录：

The following is a rakwar j speech memoir:

　　尊敬的各位领导、各位嘉宾、女士们，很高兴参加第三届西部金融论坛，就强化金融支持，加快西部发展进行探讨和交流，我重点谈三点看法：

Dear every leader/guests/ladies,It is my great pleasure to attend the third western financial BBS,Will strengthen financial support,Accelerating the development of discussion and communication,I talk about three key views:

　　第一，金融支持西部经济发展取得的显著成效。自2000年实施西部大开发战略以来，西部地区经济社会文化建设全面推进，金融服务实体经济的功能不断增强，从2009年到2010年金融业投放到西部地区纽带分别增长了37.8%，23.2%和19.3%，比东部地区的贷款增速平均高出5个百分点。2010年和2011年西部债券融资规模分别增长了76%和30%，西部地区村镇银行贷款公司及小额贷款公司的新型农村金融机构分别占到全国31%、44%和32%。得益于西部开发，在经济金融的良性互动中，西部经济发展已经呈现出许多历史性、转折性的变化。

The first,Financial support the western economic development achieved remarkable results.Since the 2000 years since the implementation of the western development strategy,The western region economic and social culture construction promote,Financial service entity economy increasing function,From 2009 to 2010, the financial industry in the western region the link respectively increased by 37.8%,23.2% and 19.3%,The eastern region than the loan growth 5% higher than average.In 2010 and 2011, the western bond financing scale increasing 76% and 30%, respectively,The western region village bank loan company and small loan companies of the new type of rural financial institutions accounted for 31% of the country/44% and 32%.Thanks to the development of the western region,In the economic and financial benign interaction,The western economic development has presented many historic/Qualitative change.

　　一是经济增长速度持续快于东部，从2006年开始，西部地区的GDP增速开始超过东部，十一五期间西部地区GDP符合增长率平均高出东部地区1.3个百分点，2011年四川GDP增速达到15%，经济总量突破2万亿元，这反映出中国经济的区域格局正在发生重大而深刻的变化。

One is the growth continues to faster than the east,Begin from 2006,The western region's GDP growth began to more than the east,During the 11th five-year plan in the western region with GDP growth rate of 1.3% on average the eastern region,In sichuan in 2011 reached 15% GDP growth,Economic volume exceeding 2 trillion RMB yuan,This reflects China's economic area pattern is undergoing major and profound changes.

　　二是工业化和产业转移加快，西部地区第二产业占比从2006年的45%提升到2011年的52%，承接东部产业梯度转移的步伐也在加快。近年来四川省工业主导和工业支撑能力也比较明显，产业转型升级在加快，十一五期间规模以上工业单位增加值能耗累计下降32%，企业研发经费支出占比提升到4.5%，这是一个很好的趋势。

The second is to speed up the industrialization and industrial transfer,The western region of the second industry than from 45% in 2006 to 52% in the ascent to 2011,To undertake the eastern industrial gradient transfer the step also to speed up.In recent years, sichuan province industrial leading and industrial supporting capacity are obvious,The transformation and upgrading of industry in speed up,During the 11th five-year plan large-scale industry added value of unit energy consumption accumulated fell by 32%,Enterprise r&d funds spending accounts for 4.5% to than ascension,This is a very good trend.

　　三是区域经济圈加快形成，随着产业聚集的加快，成渝经济圈的吸附力和辐射力不断增强，成为西部经济发展的战略高地。2011年四川和重庆两地的经济总量在西部十二省区占比达到31%，由于要素成本相对较低，自然资源丰富，市场潜力巨大，西部重点经济区已经成为我国新一轮区域结构调整和经济总量扩张的主要存在区域。

The third is regional economic circle and speed up the formation of,With the acceleration of industry agglomeration,Into chongqing economic circle adsorption force and radial force increasing,Become the western economic development strategic highland.In 2011, sichuan and chongqing economy both in 12 western provinces reached 31%,Due to the relatively low cost factors,Abundant natural resources,Market potential is tremendous,Western important economic zone has become our country a new round of regional structure adjustment and economic volume expansion of existing main area.

　　四是城乡统筹发展加速推进，西部是我国重要的特色农业产业区，2011年西部地区农业增加值占全国26.9%，农村居民人均纯收入增长18.9%，快于城镇居民人均可支配收入4.1%的增速，城乡差距不断缩小，随着城乡统筹的推进，西部农业的组织化、规模化、市场化和国际化的程度也在不断提升。

The fourth is the balanced urban and rural development accelerating,The west is an our country importance of characteristic agricultural industrial parks,In 2011, the added value of agriculture in the western region of the national 26.9%,Rural residents per capita disposable income grew by 18.9%,Faster than urban per capita disposable income growth of 4.1%,Urban and rural gap shrinking,Along with the advancement of rural and urban areas,The western agricultural organization/scale/The degree of marketization and internationalization are also rising.

　　第二，西部大开发对金融服务提出了新的要求。今年国务院批复了西部大开发“十二五”规划，标志着西部开发开放站在了新的历史起点上，西部大开发虽然前景广阔，但资金短缺依然是发展的瓶颈，如何在西部大开发中充分发挥金融的核心支持作用，提高金融支持的效果，值得我们深入思考。

The second,The development of the western region to financial services puts forward new requirements.This year the state council ratified the development of the west regions"1025"planning,Marks the development of the western region open stood in the new historical starting point,The development of the western region although broad prospects,But the shortage of funds is still the bottleneck of the development,How to the development of the western regions give full play to the core of the financial support role,To improve the effect of financial support,Worth our further thinking.

　　一是要探索融资机制和融资模式的创新。基础设施建设仍然是新一轮西部开发的重点，增加这方面的投资在短期内可以拉动经济，长期可以改善居民福利，提高居民环境的效果，但是目前国家对地方政府债务和平台贷款的监管依然在坚持相关的政策。有着严格的准入限制，这就需要政府监管部门、银行和企业共同努力，推进融资机制和融资模式的创新，对政府而言，要建立政府债务预算约束机制，完善平台公司治理机制，完善信用结构，同时可以通过BOT出售项目股权方式，盘活现有资产对银行而言，对重大项目仍然要积极支持。同时对于一些优质长期项目的贷款，可以考虑资产证券化，增强流动性。

One is to explore financing mechanism and the innovation of the financing models.Infrastructure construction is still the focus of a new round of the development of the western region,Increase the investment in the short term can stimulate economic,Long-term can improve residents welfare,Strengthening the residents' environmental effect,But at present the country on local government debt and the supervision of the loans still adhere to the relevant policies.There are strict access restrictions,This needs the government supervision department/Banks and enterprises work together,Financing mechanism and promote the innovation of the financing models,For governments,To establish the government debt budget constraint mechanism,Perfect platform company governance mechanism,Perfect credit structure,At the same time can through the BOT project equity sale way,Revitalize the existing assets of Banks,For important projects still should actively support.At the same time for some high-quality long-term projects loans,Can consider to asset securitization,Enhance liquidity.

　　二是要建立多元化的融资结构，西部正处在工业化、城镇化的关键时期，资金需求正在集中释放，这就需要融资结构的多元化、逐步改变过度依赖银行贷款的格局。国务院公布的金融业“十二五”规划提出，“十二五”期末社会直接融资比重要达到15%，2011年四川融资比重已经达到16.8%，高出目标近2个百分点，在这方面仍然有较大的空间，特别是激活民间资本方面还有很大的潜力，为此要加快西部金融市场体系建设，深化投融资体制改革，推进私募债，产业投资基金等融资工具的运用，加快落实鼓励和引导民间投资，新36条，努力打造多元化的融资渠道。

The second is to establish a diversified financing structure,The west is in industrialization/The key period of urbanization,Fund demand are concentrated release,This needs the diversification of financing structure/Gradually change the excessive dependence on the pattern of bank loans.The financial industry and promulgated by the state council"1025"Plans to put forward,"1025"The final social direct financing than important reached 15%,In 2011 the proportion of financing in sichuan province has reached 16.8%,Nearly 2% higher than the goal,In this respect still have larger space,Especially activation folk capital aspect also has a lot of potential,Therefore to speed up the western financial market system construction,Deepening the reform of investment and financing system,Propulsion SiMuZhai,Industrial investment funds financing tool use,To speed up the implementation to encourage and guide non-governmental investment,Article 36 new,To create diversified financing channels.

　　三是要加快推进农村金融发展，近几年随着国家对农村金融问题的重视，西部地区农村金融发展很快，农村金融机构的数量涉农贷款数额，获得贷款的企业和农户个数，农村金融产品的种类等都发展较快。服务三农的功能明显增强，但是农村基础性的金融服务不足，可得性和便利性不高的问题，在西部仍然广泛存在。产生也一问题的根源是西部地区农村金融，成本高，风险大的问题更加突出，这就需要抓紧建立以财政为主要内容的农村金融政策扶持体系。财政政策要多余，重点是建立农业贷款贴息政策，税收政策要少，对农村金融机构实行结构性减税，监管政策要适度放宽。对西部地区农村金融机构实施包容性、差别性的监管政策。同时加快建立农村金融服务创新的政策和激励机制。鼓励金融机构创新农村金融产品。

Three is to accelerate rural financial development,In recent years along with the country the rural financial problem attention,The western region the rural financial development soon,Rural financial institutions related to the number of the loan amount,Get loans enterprise and peasant household number,The rural financial products, such as the fast development of all kinds.The three rural service functions noticeably,But the rural fundamental lack of financial services,Accessibility and convenience is not high question,In the west is still widespread.Produce and the root of the problem in the western region the rural finance,High cost,Risk problem of more outstanding,This needs to establish to finance as the main content of rural financial policy support system.Fiscal policy to excess,The key is to establish agricultural loan discount policy,Taxation policy should be less,Rural financial institutions to implement structural tax reduction,Regulatory policy should be moderately relaxed.The western region rural financial institutions to implement inclusiveness/Disparate regulatory policy.At the same time to speed up the establishment of a rural financial service innovation policy and incentive mechanism.To encourage financial institutions innovation of rural financial products.

　　第三，农业银行将进一步提升服务西部大开发的质量和水平。中国农业银行作为一家横跨长江的大型国有商业银行，经过股份制改革服务实体经济的能力显著增强，自2012年6月末资产规模达到12.9万亿，为列全国第12位，农业银行成立61年来，始终高度重视支持西部经济社会的发展，特别是金融危机以来，东部地区信贷需求不足，西部金融需求旺盛，农行在布局上进一步加大对东西部资源(600139,股吧)的摆渡力度。

The third,The agricultural bank will further enhance the development of the western region of the service quality and level.Agricultural bank of China as a across the Yangtze river large state-owned commercial Banks,After shareholding system reform service entity economy ability significantly enhanced,Since 2012, the end of June 12.9 trillion asset size,For the listed 12th,Agricultural bank was created 61 years,Always attaches great importance to support the development of the western economy and society,Especially since the financial crisis,The eastern region credit demand,The western financial demand,Agriculture bank in layout to further increase the resources(600139,guba)Efforts of the ferry.

　　一是将资源优势向西部倾斜，近年来农行将西部地区确定为资源配置的重点区域，加大对西部区域的信贷投放，到今年6月末，在西部地区的人民币贷款余额超过1.3万亿元，占全行贷款总额的23%，超过其他可比银行平均水平4.5个百分点，四川一直是农行在西部的重点投放地区，到8月末贷款余额超过3千200亿元，连续多年居同业首位，昨天农行刚于成都市政府签订合作协议，计划六年向成都提供总额不低于1千亿元的规模。我们将继续运用资源配置杠杆，对成渝天府新区等重点领域在信贷规模，人力资源等方面加大倾斜力度，提升对成渝经济的服务能力。

One is to put the resources into the superiority of the western tilt,In recent years, the western region agriculture bank will be determined as the key area of the allocation of resources,Increase in the western region of the credit availability,To at the end of June,In the western area of the RMB loan balance of more than 1.3 trillion yuan,Both accounts for 23% of the total amount of the loan,More than any other comparable bank average of 4.5%,Sichuan has been the focus of the agriculture bank in the west on the area,To late August loan balance of more than 320 billion yuan,For many years in the trade,Agriculture bank just yesterday in chengdu city government signed a cooperation agreement,Plan for six years to chengdu to provide total amount not less than 100 billion yuan scale.We will continue to use resource allocation lever,Chongqing to into the new key fields such as tianfu in the credit scale,Human resources increase inclined strength,To ascend into chongqing economic service capacity.

　　二是积极支持西部重大基础设施建设，西部大开发实施以来，农行支持了铁路、民航、西汽东输等一批重大基础设施建设项目，下一步我们将围绕西部“十二五”规划和当前稳增长的重点投资项目综合运用信贷、投行、租赁、产业基金等经营平台创新融资方式，优先满足西部重点在建续建项目的资金需求，为西部地区经济增长提供新的引擎。

The second is actively support the western major infrastructure construction,Since the implementation of the development of the western region,Agriculture bank support railway/Civil aviation/West steam east lose, and a number of major infrastructure construction projects,Next we will focus on the west"1025"Planning and the steady growth of the key investment projects of comprehensive use of credit/Investment Banks/lease/Industrial funds management platform innovative financing way,Give priority to western important construction in construction project fund demand,For the western region to provide a new engine of economic growth.

　　三是大力扶持西部产业升级。发挥横跨城乡的网点网络优势，主动服务西部地区的产业承接和升级，重点支持能源、电力、装备制造、旅游等特色产业的发展，新一轮西部大开发不能搞低水平同步建设。我们将坚持绿色金融、低碳金融的理念加大对循环经济，环境保护和节能减排的支持力度，促进西部经济和生态协调发展。

The third is strongly support the western industrial upgrading.Play in urban and rural areas across the network network advantage,Active service in the western area of the industry to undertake and upgrade,Key support energy/power/Equipment manufacturing/The development of characteristic industry tourism, etc,A new round of development of the west regions cannot make low level synchronous construction.We will adhere to the green financial/Low carbon financial concept to increase the circulation economy,Environmental protection and energy conservation and emissions reduction support,Promote the coordinated development of economy and ecology.

　　四是加大对三农和县域的金融服务，近年来农行发挥农村金融支柱和骨干作用，为县域和三农提供了专业化、多层次广覆盖的农村金融服务，今后我们将城乡统筹的机遇，继续在县域领域和三农创新，及农业产业链金融服务的工程，重点支行的建设工程以及农村基层服务的惠农通工程，使农行解决边远地区农村基础服务的一大创新，目前农行对四川国家级和省级农业产业化的龙头企业服务覆盖面达到65%和47%，在四川农村的电子集聚乡镇覆盖率达到72%，行政村的覆盖率达到62%，较好的提高了农村金融的覆盖率。

The fourth is to increase the county agriculture and financial services,In recent years the agriculture bank play rural financial support and backbone role,For agriculture county and provide the professional/Multi-level universal coverage of rural financial services,In the future, we will be the opportunity of urban and rural areas,To continue in the county area agriculture and innovation,And agriculture industry chain financial services engineering,A key construction project and rural grassroots service of benefiting pass engineering,Agriculture bank to solve the rural basic services in rural areas a great innovation,At present national and provincial level in sichuan agriculture bank of the industrialization of agriculture leading enterprise service coverage reached 65% and 47%,In sichuan rural electronic concentration township coverage rate reached 72%,Administrative villages coverage reached 62%,Better to improve the rural financial coverage.

　　总之，在西部大开发承前启后的关键时刻，中国农业银行将于世界各界携手共进，积极贯彻落实中央关于新一轮西部大开发的战略部署，不断加强与西部地区的金融合作，实现与西部地区的共同发展。

In a word,In the western development is the key moment of the past,Agricultural bank of China will be the world from all walks of life hand in hand,Actively implement the central committee for a new round of the great western development strategy,Continuously strengthen and western regions of financial cooperation,To realize and western regions of common development.

　　最后衷心感谢四川省委省政府和各地市县级政府、社会各界长期以来对农行改革发展的大力支持，祝愿西部经济走向更加美好的未来，谢谢。

Finally heartfelt thanks to sichuan provincial party committee and the provincial government ShiXianJi all over the government/The social from all walks of life for a long time to support agriculture bank reform and development,Wish the western economy toward a bright future,thank you.