党的十八大是在我国进入全面建成小康社会决定性阶段召开的一次十分重要的大会。胡锦涛同志在十八大所做的报告主题鲜明、内涵丰富、高屋建瓴、催人奋进，是新的历史条件下夺取中国特色社会主义新胜利的政治纲领，是全面建设小康社会的行动指南。报告对新时期全面深化经济体制改革作了深刻阐述，对进一步推进金融改革与发展提出了新的和更高的要求，为我们深化金融体制改革，加快金融创新，促进金融发展指明了方向。

The party's eighteen big in China is built into the comprehensive well-off society critical stage at a very important meeting.Comrade hu jintao in the eighteenth big report theme/Connotation is rich/speacially/courageous,Under the new historical conditions take the Chinese characteristic socialism new victory political program,Is the comprehensive construction affluent society's guide to action.The report in the new period comprehensively deepen the reform of economic system elaborated profoundly,To further promote financial reform and development put forward new and higher requirements,As we deepen the reform of the financial system,Speed up financial innovation,The promotion of financial development indicated the direction.

　　明确了金融改革发展应走的道路 Has been clear about the financial reform development should go way

　　胡锦涛同志在十八大报告中强调，中国特色社会主义道路，中国特色社会主义理论体系，中国特色社会主义制度，是党和人民九十多年奋斗、创造、积累的根本成就，必须倍加珍惜、始终坚持、不断发展。这为我国的金融改革应该走什么样的道路指明了方向。

Comrade hu jintao in the eighteenth big stressed in the report,The path of socialism with Chinese characteristics,The Chinese characteristic socialism theory system,The system of socialism with Chinese characteristics,Is the party and people's ninety years of struggle/create/The accumulation of basic achievement,Must be treasured/Always adhere to the/development.This is China's financial reform should go what kind of road indicated the direction.

　　三十多年来，我国的金融改革始终坚持渐进式、市场化方向，逐步形成了适应我国国情的金融体制，这是多年探索的结果。在这个过程中，我国的金融改革始终在国家的主导下进行。特别是十六大以后，面对复杂的国际形势和欧美金融危机，我们之所以能够保持经济的平稳发展，取决于我们既运用市场经济规律这只无形调控之手，也运用国家宏观调控这只有形之手，使我们的金融改革始终与各项经济体制改革相适应、相配合，走出了一条具有中国特色的“金融道路”。在这条道路上，我们既有借鉴，也有本身的制度创新，是完全符合我国国情的改革之路。

Thirty years,China's financial reform always adhere to the gradual/Market direction,Gradually formed a adapt to the situation of our country's financial system,This is the result of years of exploration.In this process,China's financial reform always in the leading countries under.Especially after the 16th,In the face of the complex international situation and the European and American financial crisis,We are able to keep economic steady development,We not only depends on the market economic rule this only the invisible hand of regulation,Also using the national macroeconomic regulation and control this only visible hand,Make our financial reform and the reform of economic system to adapt/combined,Out of the one with Chinese characteristics"Financial road".In this way,We have both reference,Also has own system innovation,Is completely accord with China's national conditions of the road of reform.

　　今年9月，国务院发布了由“一行三会一局”编制的《金融业发展和改革“十二五”规划》，提出了“十二五”时期金融改革发展的重点任务。十八大会议的精神进一步为我们金融改革今后十年甚至长远的未来明确了方向。今后的金融改革，我们既不会因为已经取得的成绩而停止不前，也不会盲目照搬欧美等国的金融体制。我们必须从我国国情出发,把马克思主义基本原理同中国实际结合起来,以邓小平理论、“三个代表”重要思想和科学发展观为指导，坚持走自己的道路,同时学习世界上一切有益的金融经验，加快完善金融宏观调控，优化金融组织体系，发展金融市场，深化金融改革，扩大金融对外开放，维护金融稳定，加强金融基础设施建设，在实践中进行新的思考、探索和开拓，不断深化，走出一条有中国特色的社会主义金融改革发展道路。

September this year,The state council released by"A line of three will game"organizational[The financial industry development and reform"1025"planning],Puts forward the"1025"Period of the development of the financial reform key task.The spirit of the eighteenth big meeting for our financial reform further in the future ten years or even long term future has been clear about the direction.The future financial reform,We can neither because has achieved and come to a halt,Also don't blindly copy Europe and the United States and other countries of the financial system.We must from national conditions of China,The fundamental principles of marxism-leninism with China's actual combined,Deng xiaoping theory/"The three represents"The important thoughts and the scientific concept of development as the guide,Insist on his way,At the same time learning the world all useful financial experience,Speed up improvement of financial macro-control,Optimize the financial organization system,Development financial markets,To deepen financial reform,Expand the financial opening up,Maintaining the stability of financial,To strengthen the financial infrastructure construction,In practice a new thinking/Exploration and development,deepening,Out of a socialism with Chinese characteristics financial reform development road.

　　明确了金融改革发展的总体目标 Clear the financial reform and development of the overall goal

　　十八大报告确定的大会报告主题中提出“为全面建成小康社会而奋斗”，这与十七大报告主题中“为夺取全面建设小康社会新胜利而奋斗”的表述不同。从“建设”到“建成”，一字之变，体现了我国发展阶段的重大变化，这为全体中国人民树立了一个看得见的里程碑，是对全国人民的庄严承诺，同时指明了未来五年非同寻常的历史方位，及其于全面建成小康社会的关键意义。十八大报告指出，全面建成小康社会，必须以更大的政治勇气和智慧，不失时机深化重要领域改革，完善宏观调控体系，更大程度更广范围发挥市场在资源配置中的甚础性作用，推动经济更有效率、更加公平、更可持续发展。这也为金融改革发展确定了总体目标，为全面建成小康社会，进一步完善金融宏观调控体系，充分发挥金融市场在资源配置中的重要作用，为推动经济社会更快、更好、更可持续发展而服务。

Eighteen big report certain meeting report put forward in theme"Built for the comprehensive well-off society and struggle",This and the 17th national congress of the theme"To capture the comprehensive construction well-off society and strive for new victories"The expression of different.from"construction"to"built",The change a word,In our country embodies the development stage of major change,This for all the Chinese people set a visible milestone,Is the solemn promise to the national people's,At the same time pointed out the future five years unusual historical position,In the comprehensive well-off society and built the key significance.18 pointed out in the report,Built in comprehensive well-off society,Must take greater political courage and wisdom,Take time by the forelock deepening reform important fields,Improve the macroeconomic regulation and control system,Greater play more wide range of market in the allocation of resources development and the very sexual function,To push the economy more efficient/More fair/More sustainable development.This also for financial reform and development determines the overall goal,Built for the comprehensive well-off society,To further improve financial macroeconomic regulation and control system,Give full play to the financial market in resource allocation in an important role,In order to promote the economic and social faster/better/More sustainable development and service.

　　为了实现这个目标，我们必须及时研究经济形势，采取相应的宏观调控措施，发挥货币市场、资本市场的调节作用，形成完善的金融宏观调控体系。要根据我国金融经济发展的总体要求，深入研究金融宏观调控新框架，优化货币政策目标新体系，探索市场化调控新手段，形成清晰的、阶段性的发展战略，并付诸实施。

In order to achieve this goal,We must timely research economic situation,Take appropriate macroeconomic regulation and control measures,Play money market/Capital market mechanism,The formation and perfection of financial macro-control system.According to the economic development of our country's financial overall requirements,Further study new framework of finance macro-control,The new system optimization goals of monetary policy,To explore new market regulation and control means,Form clear/The development strategy of the stage,And put into practice.

在整个金融发展战略中，重点要解决两个方面的问题： In the financial development strategy,The key point is to solve the two problems:

　　一是通过深化金融改革，进一步提升我国银行业的综合实力。银行业的发展是整个金融行业改革和发展的核心和重点，我国的银行业体系经过改革开放多年不断深化和完善，在机制建设、服务能力、产品创新等方面已经形成了较为稳健发展的体系。但是，我国银行业在国际金融界的综合实力和有效竞争能力上同其他国家特别是发达国家的银行业还有不小差距，我国银行业的发展关系到金融为推进经济体系改革的支持力度。因此，我国银行业要继续深化经营机制改革，提升服务能力，提高在国际市场的占有率和竞争力，为全面建成小康社会提供充足的“血液”。

One is through the deepening of financial reform,To further enhance the overall strength of China's banking industry.Banking is the development of the financial industry reform and the development of the core and key,China's banking system for many years after reform and opening deepening and perfecting,In the mechanism construction/Service ability/Product innovation has been formed a more robust development of the system.but,Our country banking in the international financial community comprehensive strength and effective competition ability with other countries, especially the developed countries banking and small gap,The development of China's banking industry to the financial relationship to promote the reform of the economic system support.therefore,China's banking industry will continue to deepen the reform of management mechanism,Improve service ability,Raised in the international market share and competitiveness,Built for the comprehensive well-off society to provide enough"blood".

　　二是通过完善金融宏观调控体系，形成多层次的金融市场体系，提升我国金融对国际金融市场的影响。当前和今后的一段时期，是我国发展的重要战略机遇期，新的金融产品、金融要素和金融模式不断发展，机遇和挑战并存。因此，要通过完善金融宏观调控体系，充分构建适应我国金融业发展的利率市场、融资市场、资本市场、外汇市场、产品创新市场等金融市场体系，为我国金融业提供更加有利的内外发展环境，对内提升金融业的风险抵抗能力，对外不断扩大我国金融业的规模、国际活跃度，增强我国金融对世界金融与经济的影响作用，发挥我国金融对世界经济的导向作用，从而确立我国金融在国际上的地位和形象。

The second is through the perfect financial macroeconomic regulation and control system,Form multi-level financial market system,To promote to the international finance of the influence of the financial market.The current and future a period,China's development is the important period of strategic opportunities,The new financial products/Financial elements and financial mode development,Opportunities and challenges.therefore,Through perfecting financial macroeconomic regulation and control system,Fully construction to adapt to the development of China's financial market interest rates/Financing market/Capital market/Foreign exchange market/Product innovation market and financial market system,China's financial industry to provide more favorable internal and external development environment,Internal promotion financial industry risk resistance capacity,Foreign constantly expand the scale of China's financial industry/International liveness,Strengthening our financial on the world financial and economic effect,Play to our country finance to the world economic guiding role,To establish our country's financial in international position and image.

　　明确了金融改革发展的整体思路 Clear the financial reform and development of the whole train of thought

　　胡锦涛同志在十八大报告中强调，健全现代市场体系，加快改革财税体制，深化金融体制改革，完善金融监管，推进金融创新，维护金融稳定。这为我国未来的金融改革提供了整体思路。

Comrade hu jintao in the eighteenth big stressed in the report,Improve the modern market system,Speed up the reform of the fiscal and taxation system,Deepening the reform of the financial system,Perfect financial supervision,Financial innovation,Maintaining the stability of financial.This is China's future financial reform provides a whole train of thought.

　　我国的金融改革在未来的很长一段时期要坚持做好四个方面的工作。一是要深化金融体制改革，建立与我国经济、政治、文化、社会、生态文明相适应的金融结构体系。进入新世纪以来，我国金融领域进行了很多卓有成效的改革，取得了举世瞩目的巨大成就。但是，相对于中国经济发展整体需要而言，金融体系的改革还有一些需要改善的地方，需要更加紧密地契合实体经济发展的需求，充分发挥市场在金融资源配置中的基础性作用，形成具有中国特色社会主义初级阶段的金融体系。

China's financial reform in the future for a long period to do to four aspects of the work.One is to deepening the reform of the financial system,Establishment and our country economy/political/culture/social/Ecological civilization adapt to the financial structure system.Into the new century,The financial sector in China has made many fruitful reform,Has achieved spectacular great achievement.but,Relative in the whole economic development in need,Financial system reform and some need to improve place,Need more closely fit the real economy development needs,Give full play to the market in the allocation of financial resources the basic role,Develop a Chinese characteristic socialism primary stage of the financial system.

　　二是完善金融监管，构建完备、可靠、高效的监管法律体系。十六大以来，我国已经形成了银行、保险、证券分业监管的模式，这对深化金融发展、维护金融稳定起到了很大的作用，金融机构的风险管控能力、金融监管能力和金融调控能力都有了明显加强。同时，我们也要看到，随着金融改革的不断深入，新的金融产品、金融要素、金融模式不断发展，现有监管机制还存在很多相互冲突之处，没有一套完备的法律体系进行协调，各金融监管部门在执行上有时相互重叠，各金融监管主体出现协调困难与功能缺失，等等。因此，必须抓紧完善我国金融监管体系，实现金融监管的统一性、针对性和协调性，最大程度地减少金融创新监管的边界模糊领域和真空地带，防止金融风险的跨行业、跨市场传染，这样才能保证我国金融业的健康发展。

The second is to perfect the financial supervision,Build a comprehensive/reliable/Efficient supervision legal system.Since the sixteenth congress,Our country has formed the bank/insurance/The dividing of the securities supervision mode,The deepening of financial development/Maintain financial stability play a very significant role,Financial institutions risk control ability/Financial regulation ability and financial control ability has the obvious strengthening.At the same time,We also want to see,With the deepening of financial reform,The new financial products/Financial elements/Financial mode development,The existing regulatory mechanism has many mutual conflict place,Don't have a complete legal system coordination,All financial regulators in the execution on overlapping sometimes,All financial supervision main body on coordination difficulties and function is lost,, etc.therefore,Must take the perfect our country's financial supervision system,To realize the unity of financial supervision/Pertinence and coordination,Minimize financial innovation supervision boundary fuzzy field and vacuum zone,To prevent the financial risk cross-industry/Span market infection,So that we can guarantee the healthy development of China's financial industry.

　　三是推进金融创新，充分发挥金融对于实现全国建成小康社会的促进作用。金融创新是提升金融业服务水平和竞争力的关键，我国金融业在过去三十年里所取得的巨大成就，与我们始终坚持金融创新精神是分不开的。要正确处理好金融监管和金融创新的关系，在保证风险可控的前提下，加快包括产品、机构、市场、制度在内的金融创新，使创新成为推动金融发展的不竭动力。

The third is to promote financial innovation,Give full play to the financial for realizing the national built the promoting function of a well-off society.Financial innovation is to enhance the financial service level and competitiveness of the key,China's financial industry in the past 30 years the great achievements obtained,And we always adhere to the financial innovation spirit is inseparable.To correctly handle the financial supervision and regulation of financial innovation relationship,In the premise of guarantee risks are controllable,Accelerate including product/institutions/market/System, the financial innovation,Make the innovation to become the promote an inexhaustible motive force for the financial development.

　　四是维护金融稳定，为经济发展提供良好的金融环境。历史表明，防范金融风险、维护金融稳定，不仅是一个金融企业稳健经营的前提和基础，而且事关整个国家金融和经济的稳健发展。随着国际国内环境的复杂化，金融领域的新情况、新问题将不断涌现，不确定性因素和潜在风险日趋多变，维护金融稳定的工作任务将更加艰巨。要加快构建逆周期的宏观审慎管理制度框架，探索建立系统性风险的辨别、综合性量化评估和危机应对机制以及预警体系，加强跨市场、跨行业监管，提升系统性风险防范能力。

Four is to maintain financial stability,For economic development to provide good financial environment.History shows that,Guard against financial risks/Maintaining the stability of financial,Is not only a financial enterprise stable operation of premise and basis,And concerning the whole country financial and economic steady development.With the complicated international and domestic environment,In the field of finance in new situation/New problems will be produced continuously,Uncertainty factors and potential risk is changeable,Maintaining the stability of financial work task will be much tougher.To speed up the construction of countercyclical macroeconomic prudent management system framework,Explore establish systematic risk discrimination/Comprehensive quantitative assessment and crisis coping mechanism and early warning system,Strengthen the cross market/Cross-industry supervision,Ascension systemic risk prevention capacity.

明确了金融改革发展的主攻方向 Clear the financial reform and development of the main attack direction

　　胡锦涛同志在十八大报告中强调，推进经济结构战略性调整。这是加快转变经济发展方式的主攻方向。必须以改善需求结构、优化产业结构、促进区域协调发展、推进城镇化为重点，着力解决制约经济持续健康发展的重大结构性问题。要牢牢把握扩大内需这一战略基点，加快建立扩大消费需求长效机制，扩大国内市场规模。牢牢把握发展实体经济这一坚实基础，实行更加有利于实体经济发展的政策措施，推动战略性新兴产业、先进制造业健康发展，加快传统产业转型升级，推动服务业特别是现代服务业发展壮大，支持小微企业特别是科技型小微企业发展。继续实施区域发展总体战略，充分发挥各地区比较优势，加大对革命老区、民族地区、边疆地区、贫困地区的扶持力度。这是我国今后推进经济结构战略性调整的主要任务，也为我们金融发展、金融服务提供了主攻方向。

Comrade hu jintao in the eighteenth big stressed in the report,Promote strategic adjustment of the economic structure.This is to speed up the transformation of the mode of economic development of the main attack direction.Must to improve the demand structure/Optimize industrial structure/Promoting the coordinated development of all regions/Promote the town into a key,Resolve restriction economic sustainable and healthy development of major structural problems.To firmly grasp the strategic basis points to expand domestic demand,To speed up the establishment of a long-term mechanism expanding consumer demand,The expansion of domestic market scale.Firmly grasp the development of the real economy this solid foundation,A more conducive to the entity economy development policies and measures,Promote strategic emerging industry/The healthy development of advanced manufacturing industry,To speed up the transformation and upgrading of the traditional industries,Promote service especially modern service industry development and expansion,Support small micro enterprises, especially technology small micro enterprise development.Continue to implement the general strategy for regional development,Give full play to regional comparative advantage,Strengthen the old revolutionary base areas/National regions/Border areas/Poor areas the support strength.This is our country future propulsion strategic adjustment of the economic structure of the main task,For our financial development/Financial services to provide the main attack direction.

　　金融必须服务并推动我国经济结构的战略性调整大局。改革开放三十多年来，我国的经济发展方式不断地以适应经济形势的要求而转变，在这个过程中，我们既有主动调整，也有被动调整，但每一次调整都为金融发展提供了主攻方向。十八大报告把“处理好政府和市场的关系，尊重市场规律、坚持市场经济走向”作为深化经济体制改革的核心。现阶段，我国正处于经济结构战略性调整的关键时期，金融业必须以科学发展观为指导，服从和服务于国家经济发展战略，积极探索适应发展方式加快转变和经济结构战略性调整的体制机制。要加强货币政策与产业政策和财政政策的协调配合，加快培育新的经济增长点，严格控制对“两高一剩”行业的贷款，支持生态文明建设。要切实做好“三农”金融支持工作，满足现代农业发展的有效需求，改进和完善对中小企业的金融服务，在改善需求结构、优化产业结构、促进区域协调发展、推进城镇化等方面发挥更大作用。

Financial must service and promote China's economic structure strategic adjustment of the overall situation.Reform and opening up 30 years,China's economic development mode constantly so as to adapt to the requirements of the economic situation and change,In this process,We have both active adjustment,Also have passive adjustment,But each time to adjust financial development provides the main attack direction.18 the big reports"To deal with the relationship between government and market,Respect the laws of the market/Adhere to the market economy to the"As the core of deepening the reform of economic system.At present,Our country is in the strategic adjustment of the economic structure of the key period,The financial industry must be guided by the scientific development concept,Subordinate to and in the service of the nation's economic development strategy,Actively explore ways to adapt to the development to speed up the transformation and the strategic adjustment of the economic structure of the system and mechanism.To strengthen monetary policy and industrial policy and fiscal policy coordination,To speed up cultivating new economic growth points,Strict control on"Two higher left"Industry loan,Support the construction of ecological civilization.We need to do"Agriculture, countryside and farmers"Financial support work,To meet the development of modern agriculture effective demand,To improve and perfect the financial services to small and medium enterprises,To improve the demand structure/Optimize industrial structure/Promoting the coordinated development of all regions/Urbanization play a bigger role.

　　同时，金融发展必须坚持服务实体经济这一本质要求。实体经济是各项经济的基础，是国家可持续发展的重要保障。没有实体经济，金融业就是无本之木、无源之水。加大对实体经济的投入和扶持力度，引导金融资源向新兴产业、优质企业集中，为实体经济发展提供有力支持，对于转变经济发展方式、促进经济结构调整具有重要作用。要按照科学发展观的要求，引导全社会的资金投向战略性新兴产业、先进制造业、现代服务业、小微企业特别是科技型小微企业，防止银行资金偏离实体经济活动，打牢实体经济的坚固基础。同时，按照十八大提出“要多谋民生之利，多解民生之忧，解决好人民最关心最直接最现实的利益问题，在学有所教、劳有所得、病有所医、老有所养、住有所居上持续取得新进展，努力让人民过上更好生活”的要求，结合各地区的经济实际和比较优势，加大对革命老区、民族地区、边疆地区、贫困地区扶持力度，满足多样化的金融服务需求。

At the same time,Financial development must adhere to the service entity economy the essential requirements.The entity economy is the foundation of the economy,Sustainable development of the country is the important guarantee.No entity economy,The financial industry is like/Water without a source.Strengthen the entity economic input and support strength,Guide financial resources to the emerging industry/High quality enterprise centralized,For the real economy development to provide strong support,For the transformation of the mode of economic development/Promote economic structural adjustment plays an important role.According to the requirement of the scientific development concept,Guide the whole society capital into strategic emerging industry/Advanced manufacturing/Modern service industry/Small micro enterprises, especially technology small micro enterprise,To prevent bank capital deviating from the entity economic activity,Make the firm entity economy strong foundation.At the same time,According to the eighteenth big put forward"For the more the people's livelihood,Many of the XieMinSheng sorrow,Solve people's most concern most direct and realistic interests,Learning to teach/Law is/BingYouSuoYi/Old to keep/Live in somewhat continued to have made new progress,Trying to make people to live a better life"requirements,Combined with regional economic practical and comparative advantage,Strengthen the old revolutionary base areas/National regions/Border areas/Poor areas the support strength,Meet diversified financial service needs.

　　党的十八大报告旗帜鲜明、任务明确，为党和国家事业的发展指明了方向。学习和宣传党的十八大精神将是我们当前和今后一个时期的首要政治任务。党的十八大为我们描绘了美好的蓝图，金融改革和金融发展必将在十八大精神的指领下，建成一个具有中国特色社会主义道路的中国式金融格局。（作者系人民银行武汉分行党委书记、行长）

The party's eighteen big reports a clear-cut stand/Task clear,For the cause of the party and state have pointed out the direction of development.Study and publicize the party's eighteen big spirits will be our current and future a period first political task.The party's eighteen big picture for us the beautiful blueprint,Financial reform and financial development will in the eighteenth big spirit refers to bring down,Build a socialist road with Chinese characteristics of Chinese financial pattern.(The author is the people's bank wuhan branch secretary of the party committee/President)