全国最大的单一风险合作基金昨日成立。

The biggest single risk cooperation fund established yesterday.

　　包括民生银行(600016,股吧)、哈尔滨银行、吉林银行、浙江民泰商业银行等在内的23家中小金融机构（22家银行、1家保险公司）昨日在北京签署协议成立亚洲金融合作联盟风险合作基金。

Including minsheng bank(600016,guba)/Harbin bank/Jilin bank/Zhejiang people Thai commercial Banks, and small financial institutions in the home(And Banks/1 insurance companies)Yesterday was signed in Beijing the agreement Asian financial cooperation alliance cooperation fund risk.

　　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表示，截至12月11日，风险合作基金已经募集资金30亿元，成为全国最大的单一风险合作基金。

The Asian financial cooperation alliance risk management committee chairman/Minsheng bank, an assistant governor of the ShiJie said,By December 11,,Risk cooperation fund has raised capital of 3 billion yuan,Become the largest single risk cooperation fund.

　　合作基金规定，会员银行可享受的救助权利为认购金额的50倍以内。这意味着，如果用足这50倍的空间，30亿元的募集资金可以撬动1500亿元的救助额。

Cooperation fund regulation,Member Banks can enjoy the right of relief for subscription amount within fifty times.This means that,If you use foot this fifty times space,3 billion yuan to raise funds can move 150 billion yuan rescue the forehead.

　　风险合作基金以份额来计量会员银行在合作基金中所拥有的权益和出资情况。1个份额为1亿元人民币，按整数份额进行认缴。整个风险合作基金的最低募集限额为5个份额，会员数量为2家以上、200家以下。

Risk cooperation fund to share to measuring member Banks in cooperation funds have the rights and interests of the contribution of investment.1 a share for 100 million yuan,According to the share of the integer subscription.The entire risk cooperation fund raising the minimum limit for 5 a share,Member number for more than two/200 the following.

　　“具体的出资方式上，采取虚实结合，即会员单位的出资由实际出资和承诺出资相结合。”石杰解释称，10%以现金出资，为实际出资，其余90%以承诺出资方式筹集资金。“这种办法有效地放大了成员单位的救助权利。”

"The capital of the specific way,Take the actual combination,That is the member unit of capital contribution of the actual investment and commitments by combining."ShiJie explanation says,10% of the capital contribution in cash,For the actual investment,The remaining 90% to commitments way to raise money."This method effectively enlarge the member units of the salvage right."

　　一位参与了该合作基金的城商行人士称，这种设计让规模小的城商行也能参与其中，1个亿的资金对于小银行而言不是小数，但1000万相对而言可以接受。“并且50亿元的救助额对于小银行来说也够了。”

One involved in the cooperation fund city business person said,This kind of design let small city businesses can also participate,1 fund for small Banks not decimal,But 10 million relatively acceptable."And 5 billion yuan rescue amount for small bank is enough."

　　石杰还介绍称，10%现金出资，将采用信托方式，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救助义务，而不是道义责任。

ShiJie said are also introduced,10% of the capital contribution in cash,Will use the trust mode,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 relief obligations,Instead of moral responsibility.

　　从具体的救助措施看，当会员单位发生危机时，风险合作基金可以通过大额资金存放、合作拆借、买入债券、合作买入正常类信贷资产以及在条件允许的情况下补充危机银行的资本金等。

From the specific rescue measures to see,When the member unit crisis,Risk cooperation funds can through the large sum of money deposit/Cooperation lending/Buy bonds/Cooperation to buy normal kind of credit assets, and in the conditions allow added crisis of bank capital, etc.

　　而救助的触发条件，合作基金设定了两类：常规事件和突发事件。

And the rescue of the trigger condition,Cooperation fund set two kinds:Conventional events and incidents.

　　石杰介绍称，常规事件，即会员银行在流动性监管指标、资本性监管指标等方面与监管要求出现重大差距，对会员的经营和业务发展造成重大影响。例如，流动性比例低于20%（监管要求该指标要大于25%）等。

ShiJie introduction says,Conventional events,In that member Banks liquidity supervision index/Capital regulation index and a significant gap between the regulatory requirements,Members of the management and business development have a significant impact.Such as,Liquidity ratios less than 20%(Regulatory requirements the index to more than 25%)etc.

　　而突发事件则包括，短期存款大额流失；金融市场震荡导致外部融资困难；市场不利传言导致挤兑；外部评级大幅下降等等。

And emergencies, including,Short-term deposit large loss;Financial market concussion lead to external financing difficulties;Market rumors adverse to run;External rating plunged, etc.

　　平常状态下，合作基金将通过投资以博取收益，例如获得资金存放收益、买入债券收益、投资性收益等等。石杰称，收益目标是力争显著高于会员单位出资资金按传统存放或拆借实现的收益。

Common condition,Cooperation fund will be through investment in order to earn income,Such as receive money deposit income/Buy bond yields/Investment income, etc.ShiJie says,Income goal is significantly higher than for the member unit investment funds according to the traditional storage or lending to realize gains.

　　亚洲金融合作联盟成立于2012年4月，致力于为成员提供合作平台，共建风险承担机制。成员包括民生银行、包商银行、哈尔滨银行、吉林银行、成都银行等30多家中小金融机构。

The Asian financial cooperation alliance was established in April 2012,For members to provide cooperation platform,Build risk bearing mechanism.Members include minsheng bank/Contractor's bank/Harbin bank/Jilin bank/Chengdu Banks and other financial institutions more than 30 small home.