编者提示：克拉玛依市石化园区是新疆规模较大的工业园区，也是国家新型工业化产业示范基地。近几年，该园区基础设施建设逐渐完善，招商引资力度不断加大，但金融服务的跟进略显滞后，需要政银企加强协作，充分调动发挥金融催化剂的作用，推动园区加快发展。

Editor hint:Karamay petrochemical park is xinjiang large industrial park,It is also the national industrial demonstration base of new type industrialization.In recent years,The park infrastructure construction gradually perfect,Investment is increasing continuously,But financial service follow up slightly lag,ZhengYinQi need to strengthen cooperation,Give full play to the play the role of financial catalyst,Promote the speed up the development of the park.

　　克拉玛依市石化工业园区成立于2004年10月，规划总面积64.33平方公里，实际开发面积50平方公里，分为石油炼制、油气化工、煤盐化工、机械制造、化工建材、物流仓储等10个功能区块。成立以来，财政累计投入基础设施资金19.32亿元，金融机构累计为园区基础设施和入驻企业提供信贷资金支持10亿元左右。截至2012年6月末，园区入驻企业83家，均为规模以上企业。2011年园区招商到位资金14.69亿元，较2010年增长145%。该园区引进工业项目达105个，计划总投资达108亿元，已成为地方经济发展的主力军。

Karamay petrochemical industrial park was established in October 2004,Planning a total area of 64.33 square kilometers,The actual development area of 50 square kilometers,Divided into oil refining/Oil and gas chemical/Coal salt chemical industry/Machinery manufacturing/Chemical building materials/Logistics, warehousing, and other 10 a function block.Since the establishment of the,Financial accumulated into infrastructure capital of 1.932 billion yuan,Financial institutions accumulated for park infrastructure and enterprises to provide credit funds support 1 billion yuan or so.By the end of June 2012,Park enterprises 83,For all enterprises above designated size.2011 park investment in place capital of 1.469 billion yuan,A growth of 145% in 2010.The introduction of industrial park projects up to 105,Plan a total investment of 10.8 billion yuan,Has become the main force of local economic development.

　　园区金融服务供需分析 Park financial service supply and demand analysis

　　从园区融资服务供需情况来看，一是园区基础设施建设资金需求满足度较高。2012年园区基础设施建设总投资4.68亿元，其中当年计划投资2.36亿元，从资金来源来看，市财政投资0.15亿元，信贷融资需求2.16亿元。由于克拉玛依市政府财政收入水平较高，银行机构为政府项目放贷积极性较高，辖区7家金融机构有5家参与提供园区基础设施建设资金贷款服务，占比71.43%，并通过银团贷款、委托贷款等方式有效解决了园区基础设施建设的信贷资金需求。二是园区企业信贷资金需求满足度较低，表现为招商引资企业信贷服务相对滞后，园区地方企业固定资产建设贷款满足度较低。

From the park financing service supply and demand situation,One is the park infrastructure construction fund demand satisfaction is higher.2012 park infrastructure construction the total investment capital is 468 million yuan,In the planned investment of 236 million yuan RMB,From the source of fund to see,City financial investment of 015 million yuan,Credit financing needs 216 million yuan.Because on the government financial income level is higher,Banking institutions for government project lending higher enthusiasm,Jurisdiction 7 house financial institutions have five participating in the provision of park infrastructure construction fund loan service,Accounted for more than 71.43%,And through the syndicated loan/Entrust loans in other ways effectively solved the park infrastructure construction of credit fund demand.The second is the enterprise credit fund demand satisfaction is low,For the performance of the investment promotion enterprise credit service relative lag,Park place enterprise fixed assets construction loan satisfaction is low.

　　从园区支付结算等金融服务供需情况来看，截至2011年末，园区建成企业61家，职工人数近万人。以2011年克拉玛依市支付结算平均业务量测算，园区企业支付结算业务需求量约为1.2万笔、312.32亿元，其中，大小额支付业务0.56万笔、296.46亿元，支票业务0.64万笔、12.81亿元，汇票业务20笔、3.05亿元；个人银行卡交易量约为65.17万笔、32.04亿元。以2011年辖区平均每3300人拥有1个银行网点服务测算，园区需要3个银行网点。目前，园区企业尚未设立银行机构服务网点，距离园区最近的银行网点也有1.5公里。金融机构支付结算等基础服务供给不足。

Payments and settlement from the financial service supply and demand situation,By the end of 2011,Park built 61 enterprises,The number of nearly ten thousand people.In 2011, on the payment and settlement average volume calculation,Park enterprise pay settlement business demand about 12000 pen/31.232 billion yuan,the,Big small payment business 05600 pen/29.646 billion yuan,Check the business 06400 pen/1.281 billion yuan,Bill business 20 pen/305 million yuan;Personal bank card volume is about 651700 pen/3.204 billion yuan.In 2011, the average area per 3300 people have a bank outlets service measure,Park needs three bank outlets.At present,The enterprises in the park areas have not set up bank service outlets,Distance park recent bank outlets also has 1.5 kilometers.Financial institutions such as payments and settlement based service supply.

金融支持园区建设存在的问题 Financial support the problems existing in the construction of the park

　　金融支持园区建设存在的问题有： Financial support the park construction problems:

　　第一，从金融层面来看，一是金融市场发展滞后制约了园区金融服务的跟进。克拉玛依市仅7家银行机构、2家担保机构、2家小额贷款公司，无股份制商业银行、农信社、村镇银行等银行机构，金融市场主体偏少、规模较小、实力不强，金融资源配置效率不高，发展结构不平衡问题依然突出。截至2012年6月末，克拉玛依银行机构存贷比13.96%，比全疆平均水平低48.07%，比全国平均水平低55.72%。另外，证券保险市场发展滞后。克拉玛依仅6家财险公司、1家上市公司，保险和风险管理水平较低，企业债务融资、融资租赁等业务尚未起步，企业直接融资和证券市场的融资额远落后于全国平均水平。

The first,From the financial aspect,One is the financial market development lag restricted the park financial service follow up.Karamay just seven home banking institutions/Two guarantee agencies/Two small loan companies,No joint stock commercial Banks/Rural credit cooperative/Bank villages and towns banking institutions,Financial market main body partial less/smaller/Strength is not strong,The allocation of financial resources efficiency is not high,The development of structural imbalance is still outstanding.By the end of June 2012,Karamay banking institutions deposit-loan ratio of 13.96%,In xinjiang than average level low 48.07%,A 55.72% lower than the national average.In addition,Securities insurance market development lag.Karamay only six homes company/1 listed companies,Insurance and risk management level is low,Debt financing/Financing leasing business has not yet started,Enterprises of our country direct financing and securities market or junk-rated far behind the national average level.

　　银行业经营模式削弱了对园区企业的支持力度。国有商业银行存贷款市场规模仍占据主导地位，但国有商业银行分支机构的信贷政策受制于总行，而当前国有商业银行总行的信贷结构调整对于行业和期限的要求与新疆现阶段发展水平不相适应，如石化产业是工行总行信贷政策严格控制的产业，影响了国有商业银行对石化园区企业的信贷支持。国有商业银行地市分支机构自身不具有创新产品的权限，推广上级行的创新产品常遇到“水土不服”的现象；地方法人银行机构自主创新能力不强，研发使用地方特色企业的产品较少，难以满足企业快速发展的多元化服务需求。

Banking business model weaken park enterprise support.The state-owned commercial bank loan market scale is still dominant,But the state-owned commercial bank branches of the credit policy subject to head office,And the state-owned commercial bank head office of the credit structure adjustment for industry and deadline requirements and xinjiang present development level does not adapt,Such as petrochemical industry is the head office icbc credit policy strictly control industry,The influence of state-owned commercial bank to petrochemical park enterprise credit support.The state-owned commercial bank branch cities itself does not have innovation product permissions,Promotion superior done innovative products often meet"endemic"phenomenon;Local legal person bank institutions independent innovation ability is not strong,Research and development use local characteristics enterprise products less,To meet the fast developing of diversified service needs.

　　第二，从园区规划层面来看，园区规划面积较大，企业过于分散，影响银行网点辐射范围。克拉玛依市石化工业园区规划面积64.33平方公里，远超过国家级和自治区级园区的平均面积，企业平均占地面积约0.1平方公里，企业之间距离较远。进驻的银行网点辐射企业数量较少，选址相对困难。而且，金融入驻的配套鼓励政策缺失，银企信息沟通机制不顺畅。调查显示，当前新疆园区招商引资及建设工作仍采取园区管委会、招商部门主导，地方政府相关部门参与的模式，金融等服务机构尚未纳入园区招商引资联系部门。一方面，新入驻企业对当地的金融机构不了解。另一方面，金融机构对招商引资企业“后知后觉”，不掌握入驻企业的实力、信誉、融资需求等信息。银企信息不对称，是造成园区企业融资需求满足度低的重要原因。

The second,From the park planning level,Park planning area is larger,Enterprise too scattered,Influence bank outlets radiation range.Karamay petrochemical industrial park planning area of 64.33 square kilometers,Far more than the state and the autonomous region grade average area of the park,Enterprise average covers an area of about 0.1 square kilometers,Distance between enterprises.In the bank outlets radiation enterprise quantity is less,Location relatively difficult.and,Financial in supporting encourage policy hiatus,The fact information communication mechanism is not smooth.Investigation shows that,The current xinjiang park attract/bid for/invite investments and construction work is still take park the ac/Investment promotion department leading,The local government related department to participate in model,Financial services agency has not yet been incorporated into park attract/bid for/invite investments contact department.On the one hand,New enterprises to local financial institutions do not understand.On the other hand,Financial institutions to attract/bid for/invite investments enterprise"Know after after sleep",Don't grasp the enterprises' strength/credit/Information such as the financing demand.The fact the information asymmetry,Is a park enterprise financing demand satisfaction of the main reasons for low.

　　加大金融支持园区经济建设 Increase financial support for the economic construction

　　进一步加大金融支持园区经济建设，建议如下： Further increase financial support for the economic construction,Suggestions are as follows:

　　第一，构建多元化金融服务体系。引进先进金融组织模式，鼓励民间资本进入金融领域，支持地方法人金融机构做大做强，引进有实力的金融机构在当地设立分支机构，鼓励引导社会资本设立新型金融机构加快发展地方金融市场，构建以商业银行为主体，多种所有制和经营方式并存的多元化金融服务体系，增强金融市场供给能力和资源配置效率，满足企业的多元化金融服务需求。

The first,Construct diversified financial service system.The introduction of advanced financial organization mode,Encourage private capital into the financial sector,Support local corporate financial institutions do bigger and stronger,Introduce strong financial institutions set up branches in the local,Encourage guide social capital new financial institutions set up to speed up the development of the local financial market,To construct the commercial Banks as the main body,The many kinds of system of ownership and operation mode coexist diversified financial services system,Enhance financial market supply capacity and resources allocation efficiency,Meet the diversity of enterprise financial service needs.

　　第二，强化区域性信贷政策引导，创新银行产品和服务机制。建议金融办、人民银行、银监部门跟踪研究国家产业政策，通过窗口指导、考核奖励等手段，引导金融机构根据区域产业发展实际及园区产业集聚的特点，创新融资产品和服务机制，扩大企业担保抵押物范围，满足园区发展的多元化、个性化金融服务需求。

The second,Strengthening regional credit policy guidance,The innovation mechanism of banking products and services.Suggestions for financial/People's bank of/Silver prison department tracking research state industrial policies,Through the window guidance/Assessment reward, and other means,Guide financial institutions according to the actual regional industrial development and the characteristics of the industrial cluster,Innovative financing products and service mechanism,Expand the scope of enterprise guarantee of the mortgaged property,Meet the diversity of park development/Personalized financial service needs.

　　第三，完善园区综合服务区规划。建议园区合理规划综合服务区，并将金融机构网点建设用地纳入综合服务区规划。或者由园区管委会出资建立园区综合服务大厅，通过租赁等方式吸引服务机构进驻，提供“一站式”服务，降低金融等服务机构投资风险，提升园区的服务功能和招商引资环境。

The third,Perfect park comprehensive service area planning.Suggest park reasonable planning comprehensive service,And the financial institutions network construction land into the comprehensive service area planning.Or the zone has established comprehensive service hall park investment,Through the leasing way to attract service agencies in,provide"one-stop"service,Reduce the financial services agency investment risk,Improve the service function and the environment for attracting investment.

　　第四，建议园区在制定招商引资优惠政策时，同时给予金融等服务机构适当的土地使用和税费减免等优惠政策，银监部门适当简化园区银行网点的审批手续，降低金融机构进驻园区的成本和风险。

The fourth,Suggest park in making investment preferential policy,At the same time give financial services institutions appropriate land use and tax cuts and preferential policies,Silver prison department simplified park bank outlets examination and approval procedures,Reduce the financial institutions in the cost and risk.

　　第五，构建多样化银企沟通平台。一是建议园区管委会将地方金融机构作为招商引资环境进行宣传，同时定期向金融机构公开园区重点项目、招商企业的信息，增进银企之间了解。二是政府部门、人民银行、银监部门定期组织行长示范项目、推介会、银企座谈会、金融服务产品发布会，解决银企信息不对称问题。

The fifth,Constructing the fact diversified communication platform.One is to suggest zone has the local financial institutions as investment environment propaganda,At the same time regularly to financial institutions open park key project/Investment enterprise information,Promote understanding between the fact.The second is government departments/People's bank of/Silver supervisor departments organize regular President demonstration project/seminar/Argues symposium/Financial services products conference,The fact to solve the information asymmetry problem.

　　（作者单位为中国人民银行克拉玛依市中心支行）

(The author unit for the people's bank of China on the central subbranch of a bank)