坚持金融服务和实体经济的发展相适应，实现金融创新和防范风险相统一，加强创新与完善监管相协调，已成为金融业内人士的共识。在日前北京举办的首届“金融街论坛”上，部分与会的金融界人士指出，我国金融市场体系虽不断完善，但是金融业的创新与发展依然面临瓶颈领域资金缺口大、金融服务能力与经济发展需求差距大、金融业防范风险要求更高三项困难，迫切需要增强行业的综合国际竞争力和抗风险能力。

Adhere to the financial services and the development of the real economy to adapt,To achieve financial innovation and preventing risks unification,Strengthen innovation and improve the coordination of supervision,Has become the consensus of financial the personage inside course of study.In the recently held in Beijing the first"Financial street BBS"on,Part of the financial circles personage points out,China's financial market system is perfect,But financial innovation and development are still faced with financing gap big bottleneck field/Financial service ability and economic development needs big difference/Financial risk prevention requirements higher three difficulties,Urgent need to strengthen the comprehensive industry international competitiveness and ability to resist risks.

　　改革稳步推进 Reform steadily

　　在北京首届“金融街论坛”上，与会嘉宾表示，随着我国经济的快速发展，金融业的改革创新不断推进，监管专业化和有效性不断提升，为金融业创新发展提供了有效保障，主要表现在四个方面。

In Beijing the first"Financial street BBS"on,The attendees said,With the rapid development of our economy,Financial innovation continuously push forward,Supervision specialization and improve effectiveness,Innovation and development for the financial industry provides an effective guarantee,Mainly in four aspects.

　　一是金融市场体系不断完善，随着市场化的改革，货币市场、资本市场、保险市场不断发展，形成了多层次、多元化的市场体系。同时，五大国有银行改革全面完成，公司治理机制全面完善，现代企业制度基本确立。

One is the financial market system has improved constantly,With the reform of marketization,Money market/Capital market/Insurance market development,Formed a multi-level/Diversified market system.At the same time,Five major state-owned Banks reform completely finished,The company governance mechanism the comprehensive consummation,The modern enterprise system basically established.

　　二是汇率、利率的市场化改革稳步推进。按照主动性、渐进性、可控性的原则不断深化汇率形成机制改革，建立了以市场供求为基础、参考一篮子货币进行调节、有管理的浮动汇率制度。目前人民币汇率基本上实现了均衡，人民币跨境使用快速发展，去年人民币跨境结算额达到2.6万亿元。

The second is the exchange rate/Interest rate marketization reform steadily.According to the initiative/progressive/The principle of controllable deepening exchange rate formation mechanism reform,Established based on market supply and demand/With reference to a basket of currencies regulation/A managed floating exchange rate system.At present the RMB exchange rate basically realize the equilibrium,RMB cross-border use rapid development,Last year the yuan cross-border settlement amount to 2.6 trillion yuan.

　　三是金融业综合化改革试点稳步推进。一些大的商业银行除了商业银行主业之外，还广泛涉足信托、保险、证券等跨市场业务，银行业跨业、跨市场服务能力不断提升。

The third is the financial industry comprehensive reform pilot steadily.Some big commercial Banks in addition to commercial Banks outside the main,Also widely in trust/insurance/Securities business across the market,Banking cross-combination/Cross market service ability to continuously improve.

　　四是银行业的对外开放取得了新成就。我国积极履行入世承诺，实行双向开放，“引进来”与“走出去”相携发展。中资银行和外资银行在国际舞台上同台竞技，中国金融业尤其是银行业在国际上的竞争力也得到了大幅提升。

The fourth is banking opening-up made new achievements.China actively its wto accession commitments,Implement two-way open,"Introduction to"and"Go out"Phase with development.Chinese Banks and foreign Banks on the same stage on the international stage,China's financial industry especially banking in the international competitiveness is also greatly improved.

　　国家开发银行董事长陈元认为，国际金融危机爆发以来，全球经济格局深入发展、调整和变革，同时，全球科技创新和产业升级转型加快推进，新材料、新能源、新技术蓬勃发展。在此背景下，坚持金融服务和实体经济的发展相适应，实现金融创新和防范风险相统一，加强创新与完善监管相协调，成为全球金融业的共识。“我们的监管专业化和有效性在不断提升。”中央人民银行行长周小川举例说，全球金融危机爆发后，中国的调控“出手快、出拳重”，取得了明显效果，获得了全球赞誉。这得益于将财政政策调整为积极财政政策，货币政策调为适度宽松的货币政策在内的一揽子刺激计划，同时利率、存款准备金率、财政安排等一系列调控工具迅速跟上。

The state development bank chairman ChenYuan think,Since the outbreak of the international financial crisis,The global economy further development pattern/Adjustment and change,At the same time,The global science and technology innovation and industry upgrading accelerate the transformation,The new material/New energy/New technology vigorous development.In this context,Adhere to the financial services and the development of the real economy to adapt,To achieve financial innovation and preventing risks unification,Strengthen innovation and improve the coordination of supervision,Become the global financial industry consensus."Our professional and effective supervision is rising."The people's bank of China governor zhou xiaochuan, for example,After the outbreak of the global financial crisis,The regulation of China"Make moves fast/Throw a punch heavy",Made the obvious effect,Get the global recognition.This will benefit from financial policy adjustment as the active fiscal policy,Monetary policy adjustment for moderately easy monetary policy, a package of incentives,At the same time, interest rates/Deposit reserve rate/Financial arrangement and a series of control tool catch up with the.

　　发展遭遇瓶颈 Development bottleneck encounter

　　参加论坛的嘉宾认为，当前，我国推动金融业创新与发展的要求十分迫切。金融业的创新与发展依然面临瓶颈领域资金缺口大、金融服务能力与经济发展需求差距大、金融业防范风险要求更高三项困难，迫切需要增强综合国际竞争力和抗风险能力。

Participate in BBS guests think,The current,Our country financial industry to promote the innovation and development of the demand is very urgent.Financial innovation and development are still faced with financing gap big bottleneck field/Financial service ability and economic development needs big difference/Financial risk prevention requirements higher three difficulties,Urgent need to enhance comprehensive international competitiveness and ability to resist risks.

　　对此，陈元进一步指出，一方面，加快转变经济发展方式，调整经济结构，促进工业化、信息化、城镇化、农业现代化同步发展，都离不开金融的强有力支撑和保障。与此同时，我国金融业的服务能力和水平与经济发展需要相比还有不小差距，一些瓶颈领域长期存在巨大的资金缺口。另一方面，随着经济和金融开放程度不断提高，金融需求日益多元化、多样化，金融综合化经营等趋势日益明显，金融业面临的竞争更加激烈，防范风险的要求更高，迫切需要加快创新和发展，切实增强综合实力、国际竞争力和抗风险能力。

this,ChenYuan further points out,On the one hand,To speed up the transformation of the mode of economic development,Adjustment of economic structure,Promote industrialization/informatization/urbanization/Synchronous development of agricultural modernization,Is inseparable from the powerful financial support and assurance.meanwhile,China's financial service ability and the level and economic development needs and not small disparity compared,Some bottleneck field long-term existence huge funding gap.On the other hand,Along with the economic and financial openness continuously improve,Financial demand increasingly diversified/diversification,Financial integration management is more and more obvious trend,The financial industry face the competition more intense,To prevent the risk of higher requirements,Urgently need to speed up the innovation and development,Enhance the comprehensive strength/International competitiveness and ability to resist risks.

　　中国银行(601988,股吧)间市场交易商协会执行副会长时文朝表示，银行业受经营环境和结构调整等因素影响，不良贷款反弹和资本补充压力加大，重点领域风险管控仍需加强，部分机构流动性管理有待加强。证券期货业合规监管不断强化，抗风险能力有所增强。但证券公司业务结构单一、期货公司综合实力较弱及私募股权基金的潜在风险问题值得关注。

The bank of China(601988,guba)Room market dealers association executive vice President at popular said,By banking business environment and structure adjustment factors,Bad loans rally and capital added pressure increasing,Key areas still need to strengthen risk control,Part of the institutions to strengthen liquidity management.Stock futures regulatory compliance constantly strengthened,Risk resistance capacity increased.But the securities company's business structure single/The futures company comprehensive strength is weak and private equity fund potential risk problem worthy of attention.

　　全国人大财经委员会副主任委员吴晓灵认为，商业银行经营和管理较此前已发生巨大变化，许多风险控制业务范围规定应做相应修改。她举例说，《商业银行法》明确规定商业银行存贷款比例是75%，但在流动性管理之后，相比上世纪90年代，这一比例的重要性已出现偏差，在实际操作中，商业银行为确保存贷款比例，每逢月末和季末将存款“搬来搬去”，严重干扰了正常的经济信息，影响了央行对市场的观察。

The financial committee of the National People's Congress vice director of WuXiaoLing think,Commercial bank operation and management is previously has dramatically changed,Many risk control scope of business regulations should be accordingly.She, for example,[Commercial Banks]Specific provision commercial bank loan proportion is 75%,But after the liquidity management,Compared with the 1990 s,The proportion of importance has appeared deviation,In practice,Commercial Banks to ensure that the loan proportion,At the end of the month and season will deposit"Move to move to",Seriously interfere with the normal economic information,The influence of the central bank market observation.

　　在吴晓灵看来，银行风险控制指标应该重新审视。她认为，银行资本充足率、流动性管理、风险的控制等因素都应该在今后《商业银行法》的修订中得以体现。“完善金融法律体系应该坚持功能立法、行为监管的指导原则，对现有法律进行修订，以规范市场秩序。”

In WuXiaoLing seems,Bank risk control indicators should review.She thinks,Bank capital adequacy ratio/Liquidity management/The control of risk factors should be in the future[Commercial Banks]In the revised to reflect."Perfecting financial legal system should adhere to the function legislation/The guiding principle of the supervision behavior,The existing law to revise,To standardize market order."

　　创新发展推动 Innovation to promote the development of

　　参加论坛的部分嘉宾建议，在国际金融组织和相关体制改革逐步推进、国际宏观政策协调逐步加强的背景下，我国金融业创新发展需要在实现金融与社会发展相融合、构建安全合理的金融体系和完善制度监管三个方面下功夫。

BBS in part of the guest Suggestions,In the international financial organizations and related system reform gradually propulsion/International macro policy coordination under the background of strengthened gradually,China's financial industry innovation development needs in realizing the integration of financial and social development/Build a safe and reasonable financial system and perfect the supervision system of three aspect.

　　其一，推动实现金融普惠，鼓励突破经济社会发展瓶颈领域的融资难题，实现金融与经济社会发展共生共荣。经济学家林毅夫指出，在金融改革当中，除了金融自由化之外，还有重要的一点就是能够给实体经济提供金融服务，尤其是以地区性、中小金融为中心的金融体系。如果金融结构能更趋合理，收入分配能有所改善，经济能够发展得更好，对银行、股票市场服务的需求也会更多。

one,Promote realize financial pratt &whitney,Encourage breakthrough the bottleneck of economic and social development in the field of financing problems,To achieve financial and economic and social development symbiotic co-prosperity.Economist Justin yifu Lin pointed out,In the financial reform of,In addition to financial liberalization outside,And an important point is to give the real economy to provide financial services,Especially to regional/Small and medium-sized financial as the center of the financial system.If financial structure can be more reasonable,Income distribution can be improved,Economy can develop better,To bank/The stock market service demand will also more.

　　其二，建设与国情发展相适应的金融体系，需要构建门类齐全、分工合理、高效安全的金融体系，特别是加快推进中长期投融资体系建设，筹集和引导社会资金，支持长期建设。中国华融资产管理股份有限公司董事长赖小民认为，开展综合金融经营将是大势所趋，也将成为中国金融机构重要的转型方向和路径。他举例说，以中国华融为例，实践证明，综合经营多元化的发展是包括中国华融在内的资产管理公司商业化转型发展战略的现实选择，成效很明显。

The second,Construction and development of the situation to adapt to the financial system,Need to build a complete range/Rational division of labor/Efficiency and security of the financial system,Especially accelerate long-term investment and financing system construction,Raise and guide social capital,Support long-term construction.China huarong asset management co., LTD., chairman of the board LaiXiaoMin think,To carry out comprehensive financial management will be the trend of The Times,Will become China's financial institutions important transformation direction and path.He said one example,Wisewin in China as an example,Practice has proved,Comprehensive business diversification development is including China huarong asset management companies, commercial development strategy transformation of the realistic choice,Effect obviously.

　　其三，进一步深化金融改革，逐步完善制度、法律、市场监管等方面的配套建设，破解各种体制制约，为金融创新创造良好的外部环境。吴晓灵认为，以机构监管为主的监管格局往往成为制定法律规范的障碍。修订金融法律应以功能监管为主，机构监管为辅。在修订法律时，很多部门都从自己所监管的机构来考虑，没有更多地考虑法律关系和市场行为如何来统一规范。“目前我国已具有比较全面的金融法律体系。不是说法律越多越好，而是需要法律体系更加完善，重在法律的执行。”吴晓灵强调。

thirdly,Further deepen financial reform,Gradually perfect system/law/Supervision of market supporting construction,Break all kinds of institutional constraints,For financial innovation, and create a good external environment.WuXiaoLing think,With the supervision of the supervision institutions mainly pattern often become the obstacle for legal norm.Revised financial laws should be mainly function supervision,Supervision institutions an ounce of prevention is worth a.In the revised laws,Many departments from his own supervision agencies to consider,No more to consider the legal relationship and market behavior how to unified specification."At present our country already has the quite comprehensive financial legal system.Not to say the law the more the better,But need the legal system more perfect,Emphasis on the execution of the law."WuXiaoLing emphasize.

　　此外，业内人士建议，加强金融对外合作，加快“走出去”步伐，不断提高金融业的整体实力和国际竞争力。同时，应积极参与国际经济金融治理，推动建立公平公正、包容有序的国际金融新秩序。

In addition,The personage inside course of study suggest,Strengthen financial foreign cooperation,To speed up the"Go out"pace,Continuously improve the financial industry overall strength and international competitiveness.At the same time,Should actively participate in international economic and financial management,Promote the establishment of a fair and just/Inclusive and orderly international financial order.