近期，区域性金融改革正在提速，温州金融改革发布实施细则，泉州金改即将获批。如火如荼的区域性金融改革正在成为新一轮改革的亮点。笔者认为，区域性金融改革的数量、覆盖范围以及突破性将成为当前乃至今后很长一段时间我国经济发展的重要辅助力量。通过具有很强针对性的金融改革，将有效提升金融服务实体经济的能力，推动经济可持续发展。区域性金融改革正在践行“改革是我国发展的最大红利”这一理念，在一定程度上，区域性金融改革将成为下一轮改革的领头兵。

recent,Regional financial reform is speed,Wenzhou financial reform detailed rules for the implementation of the release,Quanzhou gold change will be approved.The height of regional financial reform is becoming a new round of reform of the window.The author thinks that,The number of regional financial reform/Coverage and breakthrough will be present and in the future for a long time China's economic development important auxiliary power.Through the strong pertinence of financial reform,Will effectively improve the ability of financial service entity economy,Promote economic sustainable development.Regional financial reform is practice"Reform is the biggest bonus development in our country"This idea,To a certain extent,Regional financial reform will become the next round of reform lead soldier.

　　首先，区域性金融改革正在形成燎原之势。就在上周，浙江省政府制订并发布了温州金融综合改革实施12条细则，其中包括规范民间融资、加快发展新型金融组织、开展个人境外直接投资试点等实施细则。与此同时，近期有消息称，泉州金改或将于近期获批，区域性金融改革正在全国形成燎原之势。仅从今年来看，3月份，国务院批准设立温州金融综合改革试验区，由此拉开了全国新一轮金融改革的序幕；4月12日，深圳出台加强改善金融服务支持实体经济意见稿；天津滨海新区出台了包括金融创新的18项举措；北京、上海等城市的金融改革与创新也有新动作。

First of all,Regional financial reform are forming a potential.Just last week,Zhejiang province government, formulate and released wenzhou financial comprehensive reform implementation of article 12 rules,Including standard folk financing/Accelerate the development of new financial organizations/Carry out personal foreign direct investment and the detailed rules for the implementation of the pilot.meanwhile,Recent reports say,Quanzhou gold change or in the near future will be approved,Regional financial reform is the national form a potential.Only from this year to see,In march,The approval of the state council set up wenzhou financial comprehensive reform pilot area,Thus opened the prelude to a new round of financial reform;On April 12,,Shenzhen on improving financial services to support the real economy the draft;Tianjin binhai new area introduced including financial innovation 18 measures;Beijing/Shanghai and other cities of financial reform and innovation also has new action.

　　事实上，在温州金融综合改革试验区总体方案获批之前，科技部会同中国人民银行、中国银监会、中国证监会、中国保监会研究确定了中关村国家自主创新示范区、天津市、安徽省合芜蚌自主创新综合实验区、成都高新区等16个地区为首批促进科技和金融结合试点地区，各试点工作正在推进科技和金融结合试点工作。从科技和金融结合试点，到温州金融改革，再到深圳、泉州金融改革的相继酝酿成型，区域性金融改革已经具有了规模优势，尤其是反映在区域性金融改革所辐射的范围正在扩大。

In fact,In wenzhou financial comprehensive reform pilot area overall scheme before approved,In conjunction with the ministry of science and technology of the people's bank of China/The China banking regulatory commission/The China securities regulatory commission/China insurance regulatory commission determined the zhongguancun national independent innovation demonstration area/tianjin/Anhui overgrown with weeds sui close clam independent innovation comprehensive experimental plot/Chengdu high-tech zone etc 16 area of the first batch of promoting science and technology and financial combined with pilot areas,The pilot work is propulsion technology and financial combined with trial work.From the science and technology and financial combined with pilot,To wenzhou financial reform,To shenzhen/Quanzhou financial reform after brewing forming,Regional financial reform has the size advantage,Especially reflected in regional financial reform radiation range is expanding.

　　其次，区域性金融改革因地制宜，重在服务地方实体经济。认真研究已经获批的不同层面的金融改革试点，可以发现这些区域性金融改革试点均具有地方金融特点。以温州金融改革为例，新发布的12条实施细则在深化地方金融机构改革发展方面提出：推动设立各类小企业信贷专营机构，鼓励银行业金融机构设立法人小企业信贷专营机构。支持农村合作金融机构设立100万元以下的小额农贷或微贷中心等专营机构。推动温州银行引进战略投资者、增资扩股、上市融资。在创新发展金融产品与服务。温州金融改革12条细则提出，探索建立地方金融组织风险准备金，进一步发挥银行、证券、保险等金融机构在小微企业融资方面的主渠道作用。

secondly,Regional financial reform adjust measures to local conditions,Focuses on serving local economic entity.Serious research has approved the different levels of financial reform pilot,Can find these regional financial reform pilot are with local financial characteristics.In wenzhou financial reform, for example,Article 12 new released detailed rules for the implementation of the local financial institutions in deepening the reform, development and puts forward:Promote the establishment of various kinds of small business credit specializing in institutions,Encourage a banking financial institution legal person established small business credit specializing in institutions.Support rural cooperative financial institutions set up 1 million yuan of the following small agricultural loan or micro credit center specializes in institutions.Wenzhou bank to promote the introduction of strategic investors/Increase endowment spread/Listed financing.In the innovation and development of financial products and services.Wenzhou financial reform and put forward the rules,Explore the local financial organization to establish risk reserve,Further play to the bank/securities/Insurance and other financial institutions in the small micro enterprise financing aspects of the role of main channel.

　　毫无疑问，金融改革旨在服务实体经济，一切围绕着地方经济的金融改革，积极探索与经济发展相适应的金融体制机制创新，将有效促进经济转型发展，并且将为实体经济可持续发展提供有力支撑。

There is no doubt that,Financial reform aims to service the entity economy,All around the local economy of financial reform,Actively explore and economic development adapt to the financial system and mechanism innovation,Will effectively promote the transformation of the economic development,And for the real economy sustainable development to provide strong support.

　　最后，金融改革更需要加强顶层设计。无论是温州金融改革，还是科技和金融改革试点，在具有服务地方经济这一特性的同时，更需要实现突破性改革，而突破性改革需要顶层设计。如果没有体制机制的创新，区域性金融改革试验区其改革效果将会大打折扣。在解决了顶层设计的背景下，体制机制创新才得以顺利推进，金融改革的效用将起到事半功倍效果。通过体制机制的创新，才能释放制度红利，让金融市场真正发展起来，进而服务实体经济。

finally,Financial reform more need to strengthen the top design.Whether wenzhou financial reform,Or science and technology and financial reform pilot,In a serving local economy this characteristic at the same time,More need to implement breakthrough reform,And breakthrough reform need top design.If there is no system and mechanism innovation,Regional financial reform pilot area the reform effect will be greatly discounted.In solving the top design background,System and mechanism innovation to smoothly advance,The utility of financial reform will play a twice the result with half the effort effect.Through the system mechanism innovation,To release system bonus,Let financial market really developed,Then service entity economy.