本报记者 郑升 深圳报道

Our reporter ZhengSheng shenzhen reports

　　1月8日，在深圳一个针对澳门特首崔世安一行的政策介绍会上，深圳市前海深港现代服务业合作区管理局（以下简称“前海管理局”）局长郑宏杰透露，众人瞩目的《前海跨境人民币贷款管理暂行办法实施细则》（以下简称《细则》），已于日前出台。

On 8 jan,In shenzhen one according to the chief executive of macau CuiShiAn line introduced the policy of the meeting,Shenzhen before the administration of modern service industry cooperation between shenzhen and Hong Kong(Hereinafter referred to as the"Before the administration of the sea")Chief ZhengHongJie revealed,All the attention of the[Before the cross-border RMB loan detailed rules for the implementation of the interim measures for the administration](Hereinafter referred to as the[The detailed rules for the]),Has set up a file in a few days ago.

　　目前上述《细则》并未正式对外发布，但深圳多家商业银行均称已经收到该文件，并着手研究。而也这意味着，深圳前海地区的跨境人民币贷款业务即将正式启动。

At present, the above[The detailed rules for the]Is not officially released,But shenzhen many commercial Banks that have received the document,And set out to study.But this means that as well,Shenzhen sea area before the cross-border RMB loan business is launched.

　　综合开发研究院（深圳）常务副院长郭万达在接受本报记者采访时表示，跨境人民币贷款细则出台，是一个双向利好的消息：一方面，前海地区可以利用香港资金，解决资金瓶颈问题；另一方面，前海对香港资金的渴求，也可以进一步助推香港建设人民币离岸中心。

Comprehensive development research institute(shenzhen)Executive vice dean guo wanda said in an interview with our reporter,Cross-border RMB loan conditions,Is a double advantage good news:On the one hand,Before the sea area can make use of Hong Kong,Solve the problem of capital bottlenecks;On the other hand,Before the funds in Hong Kong,Can also be further boost Hong Kong offshore RMB center construction.

优先支持进口贷款需求 Priority support import loan demand

　　2012年6月，国务院批复《前海深港现代服务业合作区综合规划》，列出了前海产业发展的22条政策，其中涉及金融业的有8条。

In June 2012,The state council approval[The depth before Hong Kong modern service industry zone comprehensive planning],List the first article 22 of the development of the industry policy,Article 8 of them are involved in the financial industry.

　　在当日的政策介绍会上，郑宏杰表示，“前海的主打产业是金融业，并为此划出了一半的土地”，而其中最重要的一项，就是要发展跨境人民币业务。

In that day the policy introduced at the meeting,ZhengHongJie said,"Before the sea is the main industry of the financial industry,And as a half of the land",And one of the most important one,Is to develop cross-border RMB business.

　　2012年12月27日，中国人民银行深圳中心支行对外公布了《前海跨境人民币贷款管理暂行办法》（以下简称《办法》），《办法》规定，跨境贷款原则为双向操作，但目前以香港对前海的单向贷款起步。

On December 27, 2012,Shenzhen central sub-branch of the people's bank of China announced[Before the cross-border RMB loan interim measures for the administration](Hereinafter referred to as the[Way to]),[Way to]Provisions of the,Cross-border lending principles for two-way operation,But now in Hong Kong for one-way loans started before the sea.

　　本报记者从有关方面获得的《细则》全文显示，其延续了上述试行原则。《办法》和《细则》称：“前海跨境人民币贷款是指符合条件的境内企业从香港经营人民币业务的银行借入人民币资金。”

Our reporter from the relevant aspects[The detailed rules for the]The full text display,The continuation of the above trial principle.[Way to]and[The detailed rules for the]said:"Before the cross-border RMB loan is to point to to meet the requirements within the territory of the enterprise from the RMB business in Hong Kong bank borrowing the money."

　　郑宏杰在政策介绍会上表示，国务院批复给前海的金融政策，“不单是优惠政策，也是先行先试政策”，鼓励前海进行金融创新，而金融政策安全、可控“。

ZhengHongJie in policy introduced said at the meeting,Before the official reply of the state council to the financial policies of the sea,"Is not only preferential policies,Is also a first try first policy",Encourage financial innovation on the sea before,Security and financial policy/controllable".

　　在跨境贷款的用途上，《细则》鼓励优先支持用于进口及其他对外支付的贷款需求。此外，《细则》对贷款用途做出严格规定：“前海跨境人民币贷款资金不得用于投资有价证券和金融衍生品，不得用于委托贷款，不得用于购买理财产品，不得用于购买非自用房产等。”

In cross-border loans purposes,[The detailed rules for the]Encourage priority support for import and other foreign pay loan demand.In addition,[The detailed rules for the]Make strict rules to the loan application:"Before the cross-border RMB loan funds shall not be used for investment securities and derivatives,Shall not be used for entrusted loans,Shall not be used to buy financial products,Shall not be used for buying non - for real estate, etc."

　　业内人士评价，这些条款堵死了企业转贷等套利的空间，也可确保贷款资金用于上述支持的产业。

The personage inside course of study to evaluate,These terms change the enterprise onlend arbitrage space, etc,Also can ensure the loan funds for the support of the industry.

香港获新动力 Hong Kong won the new driving force

　　前海跨境人民币贷款细则落地，无疑会为香港建设人民币离岸中心再次注入新动力(310328,基金吧)。

Before the cross-border RMB loan conditions,Will no doubt for the Hong Kong construction of offshore RMB center again into the PC(310328,The fund?).

　　参与《前海金融产业专项规划》制定的中国社科院国际金融研究室副主任刘东民认为，《细则》针对的是香港数千亿人民币存款，可以起到人民币回流的作用。

To participate in[Before the financial industry special planning]Enacted by the Chinese academy of social sciences, deputy director of the international financial research LiuDongMin think,[The detailed rules for the]According to the billions of RMB deposits in Hong Kong,Can have the effect of yuan backflow.

　　据香港金管局总裁陈德霖透露，2012年12月份香港当地银行人民币存款5000亿元，加上存款证1000多亿元，总共有6600亿元人民币的池子。

According to Hong Kong the hkma President ChenDeLin revealed,In December 2012 Hong Kong local bank deposit 500 billion yuan,With more than 1000 one hundred million yuan deposit certificate,A total of 660 billion yuan of the pool.

　　早在跨境人民币贷款试点出台前，香港与深圳两地早已曾在资金往来，但因内地的资本管制政策，这种往来资本大多止于地下或者非法状态。

As early as the cross-border RMB loan pilot before,Hong Kong and shenzhen has already worked in funds,But because of the mainland's capital control policy,This relationship capital mostly in underground or illegally.

　　《细则》的出台有望打破这一困境。根据央行此前透露，跨境贷款首次试点的额度约300亿元至400亿元，不高于500亿元。而随着试点的完成，贷款规模也会逐步扩大。

[The detailed rules for the]Come on stage is expected to break this dilemma.According to the central bank revealed previously,Cross-border loans of the first pilot spent about 30 billion yuan to 40 billion yuan,Is not higher than 50 billion yuan.And with the completion of the pilot,Loan will gradually expand the scale.

　　刘东民认为，现在的前海试点，还只是开了一个口子，在控制规模的前提下，可以控制人民币的回流规模，以此避免对内地金融市场造成冲击。

LiuDongMin think,Now before sea trial,Was just opened an incision,In controlling the size of the premise,Can control the scale of backflow,To avoid the impact of financial market in the mainland.