经济增长新动力(310328,基金吧)：金融助推经济发展 The new economic growth(310328,Fund it):Financial boost economic development

　　1980年10月，国务院批准厦门设立经济特区。这个因台而设的特区，从诞生之日起就担负着双重使命：既要成为我国改革开放的试验田，又要成为中央对台政策和发展两岸关系的窗口与排头兵。30多年来，厦门特区发生了翻天覆地的变化。 2010年6月，国务院又正式批准厦门建设两岸区域性金融服务中心，换而言之，今后两岸企业的资金调度也好比搭上了“直航”。

In October 1980,The approval of the state council set up xiamen special economic zones.This for table and a zone,From birth day is with a dual mission:Should become our country reform and open policy the experimental field,And to become the central policy on Taiwan and the development of cross-straits relations and the window of the platoon guide.More than 30 years to,Xiamen special economic zone has undergone earth-shaking changes. In June 2010,The state council formally approved the construction of xiamen and cross-strait regional financial services centre,In other words,The future of enterprise capital operation is also put on the"direct".

　　第一部分 厦门与台湾的“直航” The first part of xiamen and Taiwan"direct"

　　厦门市两岸金融中心思明区的项目指挥部，厦门思明国有投资有限公司董事长许立扬是这里的负责人。从这间会议室里望出去，金门似乎近在咫尺，这个和厦门一衣带水的台湾小岛，也是许立扬的祖籍所在地。改变开始于1980年，厦门设立经济特区。作为台商投资祖国大陆最早且最密集的城市，现如今大约有15万台胞在这里创业、生活，而在厦门的台企数量也超过三千家。对于这些台商来说，厦门已成为他们的“第二家园”，但他们中不少人在大陆发展中却长期面临融资难等困境。

Xiamen cross-strait financial center the Amoy area project headquarters,Xiamen SiMing state-owned investment co., LTD., chairman of the board XuLiYang is in charge here.Look out from the meeting room,The golden gate seemed very near,The Taiwan island and xiamen a narrow strip of water,XuLiYang is the ancestral home is located.Change began in 1980,Xiamen special economic zones set up.As Taiwan investment motherland mainland the earliest and most densely populated cities,Nowadays there are about 150000 Taiwan compatriots in business here/life,And in xiamen Taiwan enterprises number is more than three thousands.For these for Taiwanese businessmen,Xiamen has become their"The second home",But among them many people in China but in the development of long-term financing difficulties faced, etc.

　　2009年国务院出台《关于支持福建省加快建设海峡西岸经济区的若干意见》，被赋予先行先试的政策，厦门在对台交流合作中再次面临重要的历史机遇。2010年，国务院颁布《关于支持福建省加快建设海峡西岸经济区的若干意见》并批准厦门经济特区扩大到全市，同意厦门市在两岸金融合作方面先行先试，建立两岸区域性金融服务中心。厦门建设两岸区域性金融服务中心被正式确立为国家战略，2011年4月11日，两岸金融中心建设指挥部正式揭牌。厦门环岛路会展中心北片区，一片17.35平方公里的地域，这里便是正在兴建中的两岸金融中心，它将成为未来两岸金融往来的“聚宝盆”。从小就常常遥望金门的许立扬如今成了两岸金融中心项目思明区的负责人，这是一个让许立扬骄傲的项目，他说厦门与一江之隔的台湾，“直航”的航线还需要绕点弯，但厦门与台湾的资金渠道，则可望率先不绕弯实现“直航”。

In 2009, the state council issued[On the west coast of the straits in fujian province support to speed up the construction of the economic zone several opinions],Endowed with first foretaste policy,Xiamen in the exchange and cooperation platform again faced with important historical opportunity.In 2010,,Issued by the state council[On the west coast of the straits in fujian province support to speed up the construction of the economic zone several opinions]And approve xiamen special economic zone expanded to the whole city,Agree to xiamen in the cross-strait financial cooperation to try first,To establish the regional financial services centre.Xiamen on both sides of the construction of regional financial services centre was officially established as the national strategy,On April 11, 2011,Cross-strait financial center construction headquarters was formally established.Xiamen huandao exhibition center north area,A piece of 17.35 square kilometers area,Here is under construction in cross-strait financial center,It will become the cross-strait financial relations"cornucopia".Since the childhood often ahead in the golden gate of XuLiYang has now become the financial center in charge of the project the Amoy area,This is a let XuLiYang proud project,He says the Taiwan and xiamen river,"direct"Course also need around point bending,But xiamen and Taiwan's capital channel,He may be able to take the lead in not realize roundabout"direct".

　　第二部分 先行先试台资金融机构 The second part first try first Taiwan financial institutions

　　2009年5月和2011年4月国务院先后颁布《关于支持福建省加快建设海峡西岸经济区的若干意见》和《海峡西岸经济区发展规划》，台湾金融业界从先知先觉大胆跨海前来厦门试水合作，到如今越来越多跟进登陆。大陆唯一获准建设的两岸区域性金融服务中心落户厦门，成为他们大显身手的希望所在。厦门银行行长林昆三表示这是非常荣幸的一件事情。

In May 2009 and April 2011 the state council has promulgated[On the west coast of the straits in fujian province support to speed up the construction of the economic zone several opinions]and[The west coast of the strait economic zone development planning],Taiwan's financial industry from priors bold sea-crossing came to xiamen test the waters cooperation,Now more and more land to follow up.The mainland only allowed to build on both sides of the regional financial services centre in xiamen,Become their strut your stuff in the hope.Xiamen bank President Lin kun three said this is very honored to one thing.

　　2008年，对于渴望借道厦门进入大陆市场的台湾金融机构似乎是个幸运年。这年11月，台湾富邦金融控股股份有限公司通过旗下控股的香港富邦银行，成为台湾金融机构借道第三地入股大陆银行的首例。利用自身的台资背景，服务台商成为厦门银行的一大强项。他还告诉记者说为此他们做了很多创新的服务包括异地两岸的异地融资的贷款，内保外贷，外保内贷，我们甚至还做到一些交易。就在这一年的12月15日，根据海协会与海基会台北会谈达成的协议，两岸海运直航、空运直航、直接通邮于2008年12月15日全面启动，宣告两岸“三通”时代来临，三天之后，台湾人寿与厦门建发合资设立的君龙人寿保险公司也宣告开业。君龙人寿保险有限公司总经理高瑞华表示很高兴，因为他们成了整个台资谈判中最早拿到证照的。这个第一名的纪录让高瑞华至今自豪不已。他还告诉记者说：我是带了16个台级干部，破了2511的记录，也就是两年拿早金融证照，五年筹备一个保险扶持，11天从筹备许可拿到正式的营业执照只有11天。伴随着这些大陆特色的词汇进入高瑞华视野的，还有大陆相对于台湾更为巨大的市场和利润空间。而就在2010年的两岸经济合作框架协议通过后，台资金融机构进入大陆的步伐随之加快。富邦财险是第一家于大陆核准设立的台资保险公司。

In 2008,,For desire tailgating xiamen to enter the mainland market Taiwan financial institutions seems to be a lucky year.November this year,Taiwan fubon financial holding co., LTD. Through its holding Hong Kong fubon bank,Become Taiwan's financial institutions tailgating a third in the first mainland bank.Use own taiwan-owned background,Taiwanese bank service xiamen a great strengths.He also told reporters that therefore they do a lot of innovative services include different ground on both sides of the different financing loans,BaoWai credit in,Within the insurance credit,We even do some business.In this year of December 15,According to the HaiXieHui and sef Taipei talks the agreement,Cross-strait direct shipping/Air direct/Direct links in 15 December 2008 full swing,Declared the"tee"era,After three days,Taiwan life and xiamen c&d joint venture set up king dragon life insurance company also declared opened.King dragon life insurance co., LTD., general manager GaoRuiHua said very happy,Because they became the first Taiwan negotiations to get the license.The first record let GaoRuiHua so far proud unceasingly.He also told reporters:I am brought 16 table level cadres,Broke 2511 record,Also is two years take early financial licenses,Five years in preparation for an insurance support,11 days from preparation for permission to the formal business license only 11 days.With the mainland characteristics of vocabulary into GaoRuiHua vision,And the mainland relative to Taiwan more huge market and profit space.And in 2010 of cross-strait economic cooperation framework agreement after through,Taiwan financial institutions in the mainland, then speed up the pace.Fubon general insurance is the first company in the mainland approved the establishment of the taiwan-owned insurance company.

　　对于这些能够进入大陆金融市场的幸运儿，回报无疑是丰厚的。富邦财险短短两年之内业绩上升至全市第六，今年的保费收入比去年增长了整整三倍，达到1。8亿，而君龙人寿现在除了厦门总部，还开设了福建和浙江分公司，目前已经开业8个分级机构，预计明年年初将会达到12个。同时厦门银行的业绩也在成倍增长。几家台资金融机构的业绩增长不仅是因为市场蛋糕大，它们在台湾本土的多年运作经验更是如虎添翼。

For these can enter the mainland financial market a lucky dog,Return is undoubtedly the rich.Fubon general insurance just two years sales are up to the sixth,This year's premium income than last year for three times,Reaches 1.800 million,And king dragon life now in addition to xiamen headquarters,Also have fujian and zhejiang branch,Has now opened a hierarchical mechanism,Is expected early next year will reach 12.At the same time, xiamen bank performance are also doubled.Several Taiwan financial institutions earnings growth not only because of the large market cake,They operated for many years in Taiwan indigenous experience is so.

　　在台湾，富邦金融长期致力于和微利的传统行业打交道，这为他们积累了丰富的为中小企业服务的经验，林昆三发现，这些经验在大陆市场更有用武之地。熊瑞平的企业就是其中的受益者。当时的金腾装饰集团已经拿到一级资质三年多了，急需一个大工程来证明自己的实力。但是好容易接到这个上亿元的大工程，厦门金腾装饰集团有限公司副总经理熊瑞平又为资金发了愁，几乎绝望的他最后找到了厦门银行。他说当时是行长亲自带队，客户经理跟我们沟通，了解我们的企业的需求，看看我们有什么资金的需求当时我们就提出企业的困难，沟通跟我们通过抵押贷款、信用贷款给我们贷款解决了我们的很多燃眉之急。在林昆三看来，熊瑞平所在的这样的中小型企业正是他们的主要服务对象，我们的业务主要是中小企业，中小企业也有台商。

In Taiwan,Fubon financial long-term commitment to and meager profit of traditional industry deal with,This accumulated the rich for them to small and medium-sized enterprise service experience,Three found that Lin kun,The experience in the mainland market are more useful.XiongRuiPing enterprise is one of the beneficiaries.The JinTeng adornment group has the qualifications to for more than three years,Need a big project to prove their strength.But very easy received the tens of millions of dollars in big engineering,Xiamen JinTeng adornment group co., LTD., deputy general manager XiongRuiPing and money sent sorrow,Almost desperate he finally found the xiamen bank.He said that at that time is President personally led the,Customer manager communicating with us,To understand our enterprise needs,Look at what we have the need for the funds at that time we will put forward enterprise problems,Communication with us through the mortgage loan/Credit loans to we loan solved a lot of our burning issue.Lin kun in three looks,XiongRuiPing in such small and medium-sized enterprise is their main service object,Our business is mainly small and medium-sized enterprise,Small and medium-sized enterprises also have the Taiwanese.

　　熊瑞平把这个工程看成是公司发展的转折点，正是厦门银行的雪中送炭帮助企业规模迅速地上了台阶，企业的注册资本从最初的100万元增加到了现在的5000万元。而像熊瑞平的公司这样的中小企业目前已经占到厦门银行客户总数的近一半。目前林昆三又在筹备专门的微小企业部门，为这类企业提供更多的金融服务。在林昆三看来，台湾金融市场因为发展较早，已经出现相对饱和，处于微利状态的银行早已将争夺的目光投向了数量众多的微小企业，思路越来越细腻，服务也越来越精致，比如台北富邦银行就针对企业户里面的微型企业客群专门设立了“新兴企业金融中心”，并设置专属的项目授信办法、销售部队、征信审查人员、拨款作业人员、贷后管理人员及业务规划人员等，作为该客群的整合性融资贷款服务。

XiongRuiPing put this project as a turning point for the development of the company,It is xiamen bank urgently needed help enterprise scale rapidly the ground step,The registered capital of the enterprise from the original 1 million yuan to 50 million yuan increase now.And like XiongRuiPing company such small and medium-sized enterprise has been to xiamen bank customers account for nearly half of the total.At present the three Lin kun and in preparation for special tiny enterprise department,For this kind of enterprise to provide more financial services.Lin kun in three looks,Taiwan's financial market for early development,Has appeared relative to the saturation,In a small profit state Banks have for the sights on a number of small enterprise,Thinking more and more exquisite,Service is becoming more and more delicate,Such as Taipei fubon bank for the enterprise door inside of miniature enterprise customers to set up"Emerging enterprise financial center",And set up their own project credit way/Sales forces/Credit examiners/Appropriation homework personnel/After the credit management personnel and business planning personnel, etc,As the guest group integration financing loan service.

　　近年来，看中厦门“两岸金融中心”建设的巨大潜力和厦门在两岸交流合作中的区位优势，越来越多的境内外金融机构来厦门设立分支机构。截至目前，在厦的银行业金融机构就已将近40家，保险经营主体30多家，证券营业部50多家，期货营业部20多家，境内上市公司28家，其中在厦台资金融机构已达到8家，这些机构在不断扩大厦门市金融业的容易的同时，也为市场带来了金融创新的理念和动力。经过一年多的规划与建设，厦门"两岸金融中心"作为大陆首个并且是唯一一个冠以"两岸"的区域性金融中心目前已初具规模。我们看到一些入住金融中心的台湾金融机构，利用自身的台资背景，不仅为当地台资企业提供融资服务，更把服务更多小微企业作为经营活动的重点之一。

In recent years,Take a fancy to xiamen"Cross-strait financial center"Construction of the huge potential and xiamen in cross-strait exchanges and cooperation of location advantages,More and more financial institutions at home and abroad to set up branches in xiamen.So far,In the mansion of the banking financial institutions has nearly 40,Insurance management main body more than 30,More than 50 home of the securities business,Futures sales more than 20,The domestic listed companies 28,In xiamen of Taiwan financial institutions has reached eight,These institutions in xiamen city expanding of the financial industry's easy at the same time,Also for market with the financial concept of innovation and power.After more than a year of planning and construction,xiamen"Cross-strait financial center"As the mainland's first and only a words"cross-strait"Regional financial center has already begun to take shape.We saw some financial center in Taiwan financial institutions,Use own taiwan-owned background,Not only for local taiwan-funded enterprises to provide financing service,The more the service more small micro enterprise as one of the key business activities.

　　第三部分 招商引资有挑战 The third part attract/bid for/invite investments have challenge

　　推进金融中心建设是厦门在海西先行先试的重要体现，但毕竟一切刚起步，在机遇降临的同时，厦门经济规模小、产业基础弱等客观现实，也会为两岸金融中心的建设带来很多必须克服的困难和障碍。早在两岸金融中心启动之初，君龙人寿的台湾母公司就拍下了项目所在地的第一块地皮，这意味着君龙人寿将会成为第一批入驻中心的金融机构。而同样希望入驻的厦门银行却还在等候着审批。许晓曦所负责的金圆集团于2011年7月份由政府组建，专门作为两岸金融中心建设的投融资平台和招商引资的载体。他表示目前讲金融机构的入主更主要是要求高端，具有两金融对接的特色，以及服务厦门，两岸金融中心为企业中小企业，包括金融服务的提升等等发展尽到作用。和许晓曦一样为了金融中心的招商引资工作而奔忙的，还有厦门市金融办主任陈跃进。陈主任告诉记者：现在我们最缺的就是台湾地区银行他们来金融中心，另外还有一些争取市里面的综合性的证券公司，特别有台资参股，这些项目都是我们缺的。一方面，建设中的金融中心需引进更多的金融机构，另一方面，台湾的金融界也急待进入大陆，而厦门，无疑是最为便捷的着陆点。但是目前落户的金融机构却寥寥无几，他们到底被“卡“在了哪里？答案是532的高门槛把一部分投资者档在门外，而金融行业的税收偏高也了导致一些投资者的观望情绪。而即便有进军大陆金融市场的决心，投资者也面临着众多的选择。现在，除了上海、北京提出建设国际性金融中心外，许多一二线甚至连有些三线城市都纷纷表示要建成为国内某一区域的金融中心。厦门两岸金融服务中心虽然有着得天独厚的地缘优势，但也面临着当地经济体量较小的现实局面。

To promote financial center construction is xiamen in hercynian first try to advance the important embodiment of,But after all, everything has just started,In the coming of the opportunity at the same time,Xiamen economic scale small/Industrial base weakness of objective reality,Also for cross-strait financial center construction brings so many must overcome difficulties and obstacles.As early as in cross-strait financial center at the beginning of the start,King dragon life Taiwan parent company is take the project the first piece of land,This means that the dragon king life will become the first in the center of the financial institutions.And the same hope from all kinds of xiamen bank still waits for examination and approval.XuXiaoXi are responsible for gold circle group in July 2011 established by the government,As a special cross-strait financial center construction investment and financing platform and attract/bid for/invite investments carrier.He says now speak financial institution's more important is to require high-end,Has two financial butt characteristics,And service xiamen,The financial center of small and medium-sized enterprises for the enterprise,Including financial services ascension and so on development do role.And XuXiaoXi to financial center as the attract/bid for/invite investments work of hustle,And do ChenYueJin xiamen financial director.Director Chen told reporters:Now we lack most is the Taiwan regional Banks them to financial center,In addition, a few for the city comprehensive securities company,Special has the taiwan-owned participation,These projects are all we need.On the one hand,In the construction of financial center need to introduce more financial institutions,On the other hand,Taiwan's financial circles also burning in the mainland,Xiamen and,Is undoubtedly the most convenient landing site.But at present the financial institutions in only a few,Exactly what they were"card"Where in the?The answer is 532 high threshold put part of the investors file at the door,But financial industry tax on the high side and cause some investors wait-and-see mood.But even with the mainland financial market determination,Investors are also faced with many choices.now,In addition to Shanghai/Beijing put forward building an international financial center outside,Many a second line even some three line cities have said will be built for the domestic a regional financial center.Xiamen cross-strait financial services centre although has the advantageous geographical advantage,But it is also faced with the local economy dimension smaller reality situation.

　　陈跃进告诉记者，针对目前金融中心建设过程中面临的困境，省委省政府正在加紧制定一系列相关优惠政策。在“2012海峡两岸经贸论坛“上，厦门市委副书记钟兴国就表示，厦门两岸区域性金融服务中心是两岸金融合作先行先试的重要载体，力争建成亚洲乃至世界上最具魅力的金融海岸线之一，凡是涉及两岸金融合作的领域，允许先行先试。记者了解到，目前大部分的人民币结算要绕道香港，由香港中转后再分转两岸，不仅效率较低，且成本较高。人民币同业往来账户开立以后，两岸的人民币结算可直接通过该账户清算，无需再绕道香港，拉直了汇款线路，可大大提高清算效率和到账速度，最多只需一天即可完成两岸货币的清算和结算。在朱孟楠看来，此次两岸民间银行以合作方式进行货币清算的先行先试，对厦门作为两岸金融中心参与建立两岸货币清算机制，加深两岸金融合作，具有积极意义。

ChenYueJin told reporters,In view of the present financial center construction process in face of difficulties,Provincial government is working hard to establish a series of relevant preferential policies.in"2012 cross-strait economic and trade BBS"on,Deputy secretary of municipal party committee of xiamen ZhongXingGuo said,Xiamen cross-strait regional financial services centre is cross-strait financial cooperation first try to advance the important carrier,Strive to build Asia and even the world's most attractive financial one of coastline,All involved in cross-strait financial cooperation in the field,Allow first try first.The reporter understands,At present most of the RMB to bypass the Hong Kong,By the Hong Kong transit after turning points on both sides,Not only low efficiency,And high cost.The yuan trade settlement account open later,The RMB settlement can be directly through the account liquidation,Need not bypass Hong Kong,Straight the remittance line,Can greatly improve the efficiency of settlement and to account speed,It takes only a day can complete most cross-strait currency clearing and settlement.In ZhuMengNan seems,The folk bank on both sides with cooperation way monetary liquidation of the first try,As the financial center of xiamen involvement in establishment of cross-strait currency settlement mechanism,Deepen the cross-strait financial cooperation,Has positive significance.

　　2012年9月，人民银行总行核准厦门银行2012年度跨境贸易人民币购售限额4亿元人民币，在这个额度之内，台湾银行要买或者要卖人民币，可以直接透过这一系统来(与厦门银行)清算。这也是厦门地区首家银行获得人民银行总行的人民币购售额度，将极大地促进厦门与台湾两地人民币清算结算代理业务发展。与此同时，目前正在推进的厦门漳州泉州的一体化建设也将会从一定程度上缓解这一矛盾。

In September of 2012,The head office of the people's bank of approved xiamen bank 2012 annual cross-border trade RMB 购售 limit is 400 million yuan RMB,In this line inside,Taiwan bank to buy or to sell RMB,Can directly through this system to(And xiamen bank)liquidation.This is also the first bank xiamen region for head office of the people's bank of the RMB 购售 line,Will greatly promote xiamen between Taiwan and the clearing and settlement agent business development.meanwhile,At present are propelled xiamen zhangzhou quanzhou integration construction will be in a certain extent, ease the contradiction.

　　两岸之间的关系总是血浓于水，这也是两岸经贸、金融发展的重要纽带。台湾的人才和理念遇上大陆的市场和发展，就是一个优势互补的合作状态。在节目中我注意到，台湾的银行业目前基本上处于微利的状态，所以想方设法深挖对客户的服务。一些民营企业的小额贷款连担保业不需要，但依然风险可控。金融业的本质应该是为实体经济服务的，在当下中小企业普遍遭遇融资难的困境下面，台湾银行的做法就特别值得大陆的金融机构借鉴和反思。

The relationship between the cross-strait always blood is thicker than water,This is also cross-strait economic and trade/Financial development important link.Taiwan's talent and concept in the mainland market and development,Is an advantage complementary state cooperation.In the program I noticed,Taiwan's banking at present basically in the meager profit state,So try to dig deep to the customer service.Some private enterprise of small loans even assurance don't need,But still risks are controllable.The essence of the financial industry should be for the real economy of the service,In the present small and medium-sized enterprise generally encounter difficulty of financing predicament below,The practice of bank of Taiwan is especially worth mainland financial institutions reference and reflection.