编者提示：本文揭示了郑州建设区域金融中心的优势和劣势，分别从城市建设、经济发展、金融优化方面提出了相应的政策建议。

Editor hint:This paper reveals the regional financial center of zhengzhou construction of the advantages and disadvantages,Respectively from the urban construction/Economic development/Financial optimization aspect puts forward relevant policy Suggestions.

　　郑州作为河南省的省会城市，是河南省的政治、经济、教育、文化中心，也是我国中部地区最重要的交通、通信枢纽和重要的对外贸易口岸，拥有中西部地区唯一的商品期货交易市场。从中部区域经济发展来看，郑州经济实力多年来稳居中部大城市第二。目前郑州在中部地区的影响力日益广阔，为区域金融中心的建设创造了有利条件。

As the capital city of zhengzhou in henan province,Henan province is the political/economic/education/Cultural center,China is the central region of the most important traffic/Communication hub and an important foreign trade port,Have the Midwest only commodity futures trading market.From the middle to the regional economic development,Zhengzhou economic strength for many years the central cities in the second.At present zhengzhou in the central area of the increasingly wide influence,For the construction of the regional financial center have created favorable conditions.

　　建设区域金融中心的优劣势 Regional financial center construction of the advantages and disadvantages

　　第一，从郑州建设区域金融中心的优势来看，一是经济发展形势好。郑州经济快速发展，经济总量居中西部省会城市前列，2011年生产总值超过4900亿元，远远超过了除武汉以外的其他四个中部省会城市；城市规模不断扩大，先进制造业基地和现代物流中心正在形成，对周边地区的辐射作用在不断增强。二是金融业发展迅猛。随着金融体制的改革和发展，郑州已形成了银行、证券、保险、期货、信托各业并举，调控、监管和经营各类机构并存的金融体系。郑州市金融从业人员比例在中部六省位居第一，金融业已经成为郑州的重要支柱产业。多层次的资本市场体系初具规模，初步形成了资本市场与货币市场相互促进共同发展的格局。三是银行业影响力日渐增强。郑州银行业创新能力不断增强，经营管理模式不断改进，资产质量和经营业绩不断提高，监管和风险防范能力逐步增强，同时培养了大批金融管理人才，在全国银行业形成了独特的“郑州现象”。四是城市发展潜力大。郑州及周边地区拥有超过1亿人口的市场空间和全国重要的农产品生产加工、能源原材料基地，随着工业化、城镇化、农业现代化进程的加快，经济发展的动力和内在需求不断增强，为郑州区域性金融中心建设开辟了广阔的发展空间。犖迨钦?叻龀至Χ却蟆Ｊ枪?裨撼鎏ǖ摹吨性??们?ㄉ柚傅家饧?罚?幽鲜≌???007年率先批准《郑州区域性金融中心建设规划纲要》，制定了《河南省金融业发展专项奖补资金管理暂行办法》，郑州市政府出台优惠政策，对在郑新设立的金融机构总部、地区总部、分支机构或代表处，一次性给予400万～1000万元的资金补助，河南省政府在此基础上增加50%的补助资金，大大超过了周边其他城市的引进力度。

The first,From the construction of zhengzhou regional financial center advantage to see,One is the economic development situation is good.Zhengzhou economic rapid development,Total economic output in the central and western part of forefront of capital city,In 2011 total output value of more than 490 billion yuan,Far more than except the wuhan other than the central four provincial capital city;The city scale expands unceasingly,Advanced manufacturing industry base and the center of modern logistics are forming,The effects of the radiation to surrounding areas in increasing.The second is the rapid development of finance.Along with the reform and development of the financial system,Zhengzhou has formed a bank/securities/insurance/futures/Trust walk of life and,regulation/Supervision and management of all kinds of institutions co-existing financial system.Zhengzhou financial employees proportion in the six provinces of central China ranked first,The financial industry has become an important pillar industry in zhengzhou.Multi-level capital market system begun to take shape,The initial formation of the capital market and money market mutual promotion and common development pattern.Three is the banking industry growing influence.Zhengzhou banking innovation ability strengthens constantly,Business administration mode constantly improving,Assets quality and business performance continuously improve,Supervision and risk prevention capacity escalate,At the same time, has trained large quantities of financial management personnel,In the national banking formed unique"Zhengzhou phenomenon".The fourth is the urban development potential.Zhengzhou and circumjacent area has more than 100 million population market space and the important agricultural production and processing/Energy raw materials base,Along with the industrialization/urbanization/The quickening of the process of agricultural modernization,The motive force of the economic development and the internal demand to enhance,For zhengzhou regional financial center construction opened up a broad space for development.Luo Dai qin?Le Chen to Χ but non-yellowing J gun?Perhaps our ǖ coppering.as by tons of sex??are?ㄉ pomelo fu home Xing?penalty?Quiet fresh ≌???In 007 the approval[Zhengzhou regional financial center construction planning outline],Formulated the[The development of financial industry in henan province special award for interim measures for the administration of the fund],Zhengzhou city government introduced preferential policies,In the zheng new financial institutions set up headquarters/Regional headquarters/Branches or representative offices,One-time give 4 million ~ 10 million yuan of funds subsidies,Henan provincial government on the basis of the increase of 50% subsidy funds,Much more than the other way around the city efforts to introduce.

　　第二，从郑州建设区域金融中心的劣势来看，一是郑州金融机构体系发展不充分，缺少本地品牌银行。在本地法人机构发展方面，目前在郑州成立或设立总部的金融机构数量有限，仅有1家郑州商业银行、1家证券公司和两家信托公司；在引进外来商业银行方面，目前郑州有8家股份制商业银行和两家外资银行入驻，但是缺乏区域性总部和功能性中心。二是金融市场体系不完善，产业协同效应没有得到充分发挥。从金融全面发展来看，各类市场发展不平衡，银行业占金融业增加值的绝大部分，货币市场、证券市场、资本市场、保险业务发展相对滞后。三是金融市场集聚效应不强，没有形成金融产业链、产业群。郑州市金融以及相关产业的聚集度目前还不够高。郑州目前既缺乏以票据结算、数据灾备为代表的信息技术外包服务，又缺乏以金融（保险）后援服务、语音呼叫为代表的业务流程外包服务。四是区域一体化程度不足，缺乏金融腹地支持。目前在中部六省之间市场化发展程度和经济发展水平存在着的“梯度差”，即河南省与周边省份的“地理位置梯度差”以及郑州与周边省辖市之间的“经济发展梯度差”，都将在不同程度上对郑州经济辐射程度和区域合作机制的构建产生一定影响。

The second,From the construction of zhengzhou regional financial center disadvantages to see,One is the zhengzhou financial institutions system development is not sufficient,Lack of local brand bank.In the local legal person institution development,At present in zhengzhou or headquarter established financial institutions quantity is limited,Only 1 home zhengzhou commercial Banks/1 home securities companies and two trust company;In the introduction of foreign commercial Banks,At present there are 8 zhengzhou share-holding commercial Banks and foreign Banks in two,But the lack of regional headquarters and functional center.The second is financial market system is not perfect,Industrial synergy effect has not been fully play.From the financial comprehensive development to see,All kinds of market development is not balanced,Banking accounts for most of the added value of the financial industry,Money market/Securities market/Capital market/Insurance business development is relatively slow.The third is the financial market accumulative effect is not strong,No form of financial industry chain/Industrial clusters.Zhengzhou financial and related industry gathering degree is still not tall enough.Zhengzhou at present is lack of the bill and settlement/Data disaster as a representative of information technology outsourcing service,And lack of the finance(insurance)Backup service/Voice call as a representative of business process outsourcing service.The fourth is insufficient degree of regional integration,The lack of financial support hinterland.At present in the six provinces of central China marketization between development degree and the level of economic development exists"TiDuCha",That is the henan province and surrounding provinces"The geographical position TiDuCha"And zhengzhou and peripheral between cities"TiDuCha economic development",Will be in different degree of zhengzhou economic radiation degree and the construction of regional cooperation mechanism has certain influence.

　打造广阔的金融腹地 Create broad financial hinterland

　　对郑州建设区域金融中心的建议如下： The construction of zhengzhou regional financial center suggestion as follows:

　　第一，加快地方经济发展，为金融中心发展提供更好的土壤。一是借助郑东新区建设和郑汴一体化发展提升郑州市在中部地区经济发展的“领头羊”地位。二是调整产业结构，大力发展新型工业和现代物流产业。以优势产业支撑经济结构优化升级，进一步做大做强装备制造、汽车及零部件等支柱产业，优先发展电子信息、生物工程等高新技术产业，改造提升纺织等传统产业。三是大力推进产业园区建设，引导优势产业和企业向郑汴产业带、郑洛工业走廊和特色工业园区集中。

The first,To speed up the local economic development,For financial center development provide better soil.One is by means of zhengdong the construction and development of zhengzhou city of zhengzhou-kaifeng integration promotion in the central regions economic development"leaders"status.The second is to adjust the industrial structure,Developing new industry and modern logistics industry.With superior industry support economic structure optimization and upgrading,Further develop and expand equipment manufacturing/Automobile and automobile parts pillar industries, etc,Giving priority to the development of the electronic information/Biological engineering high and new technology industries,Transform and promote the traditional industry textile, etc.The third is to vigorously push forward the construction of industrial park,Guide the advantage industry and enterprise to zhengbian industry area/ZhengLuo industrial corridor and characteristic industrial park focus.

　　第二，加快地方金融业改革步伐，积极吸引外来金融机构落户郑州。一是加快组建省级股份制银行。二是加快组建河南省保险法人机构。三是积极吸引外来金融机构落户郑州。争取吸引国际前100名银行、投资公司、基金公司、保险公司等金融机构在郑东新区设立分支机构或办事处，积极争取所有全国性金融机构入驻郑州。

The second,To speed up the local financial sector reform pace,Actively attract foreign financial institutions in zhengzhou.One is a joint-stock Banks to speed up at the provincial level.Two is to accelerate the form henan insurance institutional investor.The third is actively attract foreign financial institutions in zhengzhou.To attract international bank before 100/Investment company/Fund company/Insurance companies, and other financial institutions in zhengdong set up branches or offices,Actively strive for all the national financial institutions in zhengzhou.

　　第三，发展多层次的金融市场，提升金融中心的服务功能，不断促进金融创新。一是加大郑州商品期货市场发展力度，做深做精现有期货品种,从粮食类期货品种为主扩展到煤炭、化工等更多种类，争取尽快上市商品期货、期权、远期交易,逐步形成在国内乃至全球具有重要影响的期货价格中心和信息中心。二是加强资本市场建设,推进融资市场化进程,加强对企业上市的统筹规划,积极整合、培育优质上市资源，将具有地区主导型、支柱型企业推荐上市，大力发展企业债券、资产支持债券，支持企业通过资本市场再融资做大做强。三是活跃郑州产权交易市场，发展壮大产权交易机构，规范产权交易行为，增强产权交易市场活力。

The third,The development of multi-level financial market,Enhancement of financial center service function,Continuously promote the financial innovation.One is to increase the zhengzhou commodities futures market development efforts,Do deep do fine existing futures varieties,From the grain futures varieties is given priority to expand to coal/Chemical and other more kinds,As soon as possible for the listed commodity futures/option/Forward transactions,Gradually formed in the global and domestic has important influence on the futures price of the center and information center.The second is to strengthen the capital market construction,Promoting financing marketization process,To strengthen overall planning of a listing enterprise,Actively integrating/To cultivate high quality public resources,Will have area leading/Pillar enterprises listed on the recommended,Vigorously develop enterprise bonds/Asset-backed bonds,Support enterprise through the capital market refinancing bigger and stronger.Three is an active zhengzhou property rights trading market,Development and expansion property right transaction institution,Regulating property rights transactions,Strengthen property right trading market vigor.

　　第四，加强经济辐射能力，打造广阔金融腹地。一是以中部崛起战略规划为指导，打破影响资本流通的体制性障碍，积极融入中部城市圈，不断加大与中部其他省份各地区金融合作；主动接受上海、北京等国际国内金融中心的辐射，积极承接沿海金融外包业务；大力支持外资及外省市金融机构到郑州设立分支机构或参股地方金融机构，发挥其资金、人才、管理、技术等优势，推动郑州地方金融机构跨越式发展。二是加强金融区域合作，不断提高郑州的经济辐射能力、金融聚集力和社会影响力。积极推进产业转移和产业升级，完善有利于金融业加快发展的政策和体制环境。通过培育郑州跨区域的金融服务功能，发挥其对金融资源和其他市场要素的集聚、辐射和服务功能，有力地支持中原城市群经济隆起带建设，推动全省经济金融的均衡发展。

The fourth,To strengthen the economic radiation ability,Create broad financial hinterland.One is the rise of central China strategy planning as a guide,Break the systematic obstacles of the influence the capital circulation,Actively into the central city ring,Increasing the central and regional financial cooperation in other provinces;Voluntarily accepted Shanghai/Beijing international and domestic financial center of radiation,Actively undertake coastal financial outsourcing;Support and other provinces and cities of foreign financial institutions to zhengzhou set up branches or participation local financial institutions,Play its capital/talents/management/Technology advantage,Zhengzhou local financial institutions to promote great-leap-forward development.The second is to strengthen financial regional cooperation,Continuously improve the zhengzhou economic radiation ability/Financial gathered force and social influence.Actively promote industry transfer and industrial upgrading,Improvement of the financial industry to speed up the development of the policy and system environment.By cultivating zhengzhou cross area to financial service function,Play the financial resources and other market elements of the cluster/Radiation and service function,Effectively support zhongyuan urban agglomeration economy uplifted zone construction,To promote the balanced development of the whole province economic and financial.

　　（作者单位为中国工商银行股份有限公司河南省分行）

(The author unit for the industrial and commercial bank of China co., LTD., henan branch)