12月20日，中国人民银行副行长李东荣在第十三届中国金融发展论坛上表示，近年来，我国金融改革取得了重大的进步，建立了比较完善的金融组织体系、市场体系、监管体系和调控体系。但也应清醒的看到，当前我国金融发展中还存在不少不协调，不平衡的问题，其中一些问题还比较突出,还要继续深化金融改革。

December twenty days,The people's bank of China deputy governor LiDongRong in 13th China's financial development BBS on Wednesday,In recent years,China's financial reform has made a great progress,Established a better financial organization system/Market system/Supervision system and control system.But it should also be clear to see,The current our country finance development there are still many not harmonious,The problem of unbalanced,Some of these issues are prominent,Continue to deepen the financial reform.

　各项改革已进入深水区 The reform has entered the deep water area

　　党的十八大明确提出深化金融体制改革，健全促进宏观经济稳定，支持实体经济发展的现代金融体系，不断提高银行、证券、保险等行业的竞争。

The party put forward the eighteenth big deepening the reform of the financial system,To promote sound macro economic stability,To support the real economy development in the modern financial system,Continuously improve the bank/securities/Insurance industry competition.

　　近期召开的中央工作经济会议，再次强调加大经济结构调整力度，提高经济发展质量和效益，深化经济体制改革，增强经济发展的动力和活力。

At the recent meeting of the central economic work,Again increased economic restructuring efforts,To improve the quality and efficiency of economic development,Deepen the reform of economic system,Strengthen the motive force of the economic development and vitality.

　　李东荣表示，目前，问题主要表现在金融机构的经营方式总体还比较粗放，金融发展的结构性矛盾还比较突出。随着金融改革开放的深入，一些领域的深层次金融风险隐患将逐步显现。在资源配置过程中，金融业要在更大的程度和更大的范围发挥基础性作用，还有很多体制性、机制性的改革工作要做。

LiDongRong said,At present,The main problems in the performance of financial institutions in the mode of operation overall is still relatively extensive,Financial development is relatively conspicuous structural contradictions.With the financial deepening of reform and opening up,Some areas of deep financial risks will gradually appear.In resource allocation process,The financial industry to a greater degree and greater range play a fundamental role,There are many systematic/The reform of the mechanism continuity of work to do.

　　“当前，金融领域的各项重大改革，例如人民币资本项目可兑换都已经进入深水区，由于牵涉面较广，受到的制约因素较多，必须不断的完善顶层设计和总体规划，积极创造条件，稳妥有序推进。”李东荣这样表示。

"The current,The major reform the financial sector,Such as the RMB convertible under capital accounts have been into the deep water area,Because they are a wide,By restricting factors more,Must have been the perfect top design and planning,Actively create conditions,Safe and orderly propulsion."LiDongRong said so.

继续深化金融改革 Continue to deepen the financial reform

　　在继续深化金融改革方面，李东荣提出了以后几个方面的工作。

Continue to deepen the financial reform,After LiDongRong puts forward several aspects of the work.

　　第一，进一步完善金融宏观调控体系，健全审慎政策框架，更加突出价格稳定目标，处理好促进经济增长、保持物价稳定和防范金融风险的关系，继续创新和丰富货币政策工具，积极运用市场化的货币政策手段，提高货币政策的传导效率，着力优化信贷资源配置，保持合理的社会融资规模。

The first,To further improve macroeconomic regulation and control system,Improve the prudent policy framework,More prominent target price stability,Handle promote economic growth/Keeping prices stable relationship and guard against financial risks,Continue to innovation and rich monetary policy tools,To use market monetary policy means,To improve the efficiency of monetary policy transmission,To optimize the credit allocation of resources,Keep reasonable social financing scale.

　　第二，要稳步推进利率市场化和汇率形成机制改革，进一步完善中央银行利率调控体系，健全金融市场基准利率体系，改进银行间的利率形成机制，继续引导金融机构加强风险定价能力，发挥市场机制在利率形成中的基础性作用，要增强人民币汇率双向浮动弹性，使市场供求在汇率形成中发挥更大的作用，保持人民币汇率在合理的均衡水平上的基本稳定。

The second,To steadily interest rate marketization and RMB exchange rate formation mechanism reform,To further improve the central bank interest rate regulation system,The financial market benchmark interest rate system,To improve the interest rate formation mechanism between Banks,We will continue to encourage financial institutions to strengthen risk pricing power,The market mechanism to play a fundamental role in the formation of interest rates,To enhance the RMB exchange rate two-way floating elastic,Make the market supply and demand in the exchange rate plays a more important role,Keep the RMB exchange rate at a reasonable equilibrium level basically stable.

　　第三，在继续深化金融体制改革上，李东荣强调进一步完善金融机构公司治理，改善经营模式和盈利结构，健全资本约束机制，加强风险管理，提高信贷资产质量，深入推进政策性的银行改革，要发挥政策性金融机构在支持国家产业政策、促进经济结构调整中的积极作用，进一步完善金融风险监测、预警、评估和处置机制，牢牢守住不发生系统性、区域性金融风险的底线。

The third,Continue to deepen reform of the financial system,LiDongRong emphasis on further perfecting the corporate governance of financial institutions,Improve the management mode and the profit structure,Sound capital constraint mechanism,To strengthen the risk management,Improve the quality of loan assets,Advancing the policy bank reform,To play the policy financial institution in support of the state industrial policy/Promote the readjustment of the economic structure is the positive role,To further improve the financial risk monitoring/warning/Evaluation and disposal mechanism,Firmly hold the systematic will not occur/Regional financial risks of the bottom line.

　　第四，在外汇管理体制改革方面，李东荣提出健全和完善资本流出入资本管理，充分发挥市场机制对外汇资源的配置作用，稳妥、有序的推进人民币资本项目可兑换，继续拓展外汇市场的广度和深度，丰富外汇市场产品，完善外汇市场的交易机制和基础设施建设，推进外汇市场的对外开放。

The fourth,In the foreign exchange management system reform,LiDongRong put forward to perfect and improve the capital outflows of capital management,Give full play to the market mechanism to exchange the resource allocation function,safe/Orderly promote RMB capital account convertibility,Continue to broaden the foreign exchange market in breadth and depth,Rich foreign exchange market products,Perfect the foreign exchange market trading mechanism and infrastructure construction,Promote the opening to the foreign exchange market.

　　最后，加快建设多层次的金融市场体系，加强市场制度和基础设施建设，推动金融产品创新，促进不同金融市场联动，推动股票市场和债券市场规范发展，大力发展货币和外汇黄金市场，推动期货和金融衍生品市场的发展，特别要坚持面向机构投资者的场外市场发展方向，加快发展银行间债券市场，着力提高直接融资比重，进一步降低银行体系风险。

finally,Speed up the construction of the multi-level financial market system,Strengthen market system and infrastructure construction,Promote innovative financial products,Promote the various financial markets linkage,Promote the stock market and bond market to regulate development,To develop foreign currency and gold market,Promote the futures and financial derivatives market development,Special for institutional investors to adhere to the otc market development direction,Accelerate the development of market of the bond between the bank,And to raise the proportion of direct financing,Further reduce the risk of the bank system.