本报记者 姜业庆

Our reporter JiangYeQing

　　如何应对流动性、经营性及流动性风险，是中小金融机构普遍面临的难题，尤其是在宏观经济运行波动加剧、利率市场化等诸多复杂的外部环境下，12月成立的亚洲金融合作联盟风险合作基金或许是中小金融机构化解风险的重要途径。

How to deal with the liquidity/Business and liquidity risk,The small and medium-sized financial institutions common challenges,Especially in the operation of macro economy fluctuation intensifies/Interest rate marketization, and many other complex external environment,December established Asian financial cooperation alliance cooperation risk fund may be small and medium-sized financial institutions risks in important ways.

　　12月11日，民生银行(600016,股吧)、华安财险、包商银行、郑州银行、兰州银行等23家金融机构参加了亚洲金融合作联盟风险合作基金成立的签约仪式。

On December 11,,Minsheng bank(600016,guba)/HuaAn property/Contractor's bank/Zhengzhou bank/Lanzhou Banks and financial firms to participate in the Asian financial cooperation alliance risk fund established cooperation signing ceremony.

　　据悉，亚洲金融合作联盟（亚金联）此前由中国民生银行、包商银行、哈尔滨银行共同倡导发起，是33家中小金融机构参与的金融创新平台。其宗旨是抱团发展、创造多赢、共同超越，鼓励成员间资源共享、优势互补，维护联盟成员在市场拓展、风险防范与处置、IT技术运用等方面的共同利益，为客户和实体经济提供综合、优质、高效的金融服务，促进中小金融机构健康发展。

It is reported,The Asian financial cooperation alliance(The golden league)Previously by China minsheng bank/Contractor's bank/Harbin bank jointly promote launch,Is the home and small financial institutions involved in financial innovation platform.The aim is BaoTuan development/Create win-win/Common beyond,Encourage resource sharing between members/Have complementary advantages,Maintain alliance member in market development/Risk prevention and disposal/IT technology application of common interests,For customers and provide comprehensive entity economy/quality/Efficient financial services,To promote the healthy development of small and medium-sized financial institutions.

　　亚洲金融合作联盟风险合作基金实施细则规定，基金的1个份额为1亿元，按整数份额进行认缴。按照细则，亚洲金融合作联盟风险管理委员会的23家成员进行了认购。

The Asian financial cooperation alliance risk cooperation fund rules,Fund a share for 100 million yuan,According to the share of the integer subscription.According to the rules,The Asian financial cooperation alliance risk management committee and family members subscription.

　　据介绍，该风险合作基金用于风险救助。涵盖突发事件救助、常规救助、联盟资产池、担保基金等。

According to introducing,This risk cooperation funds for risk rescue.Covers emergency rescue/Conventional salvage/Alliance asset pool/Guarantee fund, etc.

　　亚洲金融合作联盟监事长、包商银行董事长李镇西指出，当前中小金融机构面临着更为复杂的外部经营环境。中小银行只有抱团发展，才能使大家感觉到在各自孤军奋战的背后，还有坚实的靠山；在各自面对大风浪的时候，还有安全的港湾。

The Asian financial cooperation alliance supervisors long/Contractor's bank chairman LiZhenXi pointed out,The small and medium-sized financial institutions are facing a more complicated external business environment.Small and medium-sized Banks only BaoTuan development,To make you feel in their respective behind in isolation,And the solid backing;In the face of their big waves,And safe harbor.

　　据亚洲金融合作联盟风险管理委员会主席、民生银行行长助理石杰介绍，该风险合作基金充分兼顾各成员单位利益和诉求，并且采取了信托模式创新基金架构。联盟为基金托管人，由联盟直接实施救助或者委托成员单位实施救助。

According to the Asian financial cooperation alliance risk management committee chairman/Minsheng bank, an assistant governor of the ShiJie is introduced,This risk cooperation fund full consideration to all member unit interests and demands,And take the trust model innovation fund structure.Alliance for fund trustee,The union direct relief or entrust member unit relief.

　　同时，还采用了“信托＋委托”分层设计基金结构。为缓解成员单位大额现金出资压力，同时可以享受最大救助权利，采取分层设计基金结构：10％现金出资，采用信托方式，由联盟作为基金管理人，直接实施救助或委托进行救助；另外90％承诺出资方式，与实际受救助人挂钩，这种义务设定为有强制执行力的求助义务，而不是道义责任。

At the same time,Also adopted the"Trust + entrust"Hierarchical design fund structure.In order to alleviate the large amount of capital contribution in cash members of pressure,At the same time can enjoy maximum salvage rights,Adopt hierarchical design fund structure:10% of the capital contribution in cash,The way of trust,The alliance as a fund manager,Direct relief or entrust to salvage;Another 90% commitments way,And the actual link by the salvor,The obligations set as a compulsory execution of compulsory for help,Instead of moral responsibility.