刚刚过去的2012年，是中国金融改变的重要年份，不但进一步加大了利率市场化，而且金融监管政策不断松绑，这意味着一个混业经营时代的到来。我们认为，2013年金融改革将进一步提速。

Just the past 2012 years,Is an important change in China's financial year,Not only to further increase the interest rate liberalization,And financial supervision policy easing,This means that the arrival of the era of a mixed operation.We think that,In 2013 financial reform will further speed.

　　一方面，国内金融业的垄断局面将进一步打破，将着力中小金融机构，发展合作金融、民间金融，互联网金融发展也将加快；另一方面，金融监管体系将进一步完善。

On the one hand,Broke the monopoly will further of the domestic financial industry,Will focus on small and medium-sized financial institutions,The development of cooperative finance/The folk finance,The Internet will also speed up the financial development;On the other hand,Financial supervision system will be further improved.

　　作为金融改革方向，利率市场化无疑是提升金融市场效率的必然举措。由于我国银行和信贷市场占金融比重太大，只有利率市场化，才能真正改善信贷的质量、效率，提高风险价格，便于商业银行管理风险。

As a financial reform direction,Interest rate marketization is undoubtedly improve the efficiency of the financial market will move.Because our country bank share financial and credit market is too big,Only the interest rate liberalization,Can truly improve the quality of the credit/The efficiency of the,Increasing the price risk,To facilitate commercial bank risk management.

　　一直以来，大银行垄断占了中国整个存贷款的70%，他们的服务对象是大企业，所以中小微企业还是缺贷款、缺资金，因此，发展中小金融机构和合作金融非常重要，而使民间金融合法化、阳光化、规范化同样重要。

Has always been,Big Banks monopoly accounted for 70% of the loan in China,Their service object is big business,So micro, small and medium enterprises is lack of loans/Lack of funds,so,Development of small and medium-sized financial institutions and financial cooperation is very important,And make the folk financial legalization/The sun,/Standardization is also important.

　　事实上温州已经试水。2012年3月，政府推广温州改革试验区时就有12条措施，之后连改革细则也出来了，比如建立存贷平台这种服务的机构，发展小额贷款公司，另外允许部分小额贷公司转为村镇银行，还可以个人实行贷款等。

In fact wenzhou has tried water.In March 2012,Government promote wenzhou reform testing when there are 12 measures,Even after reform rules also come out,Such as a loan platform of this kind of service organizations,Development of small loan companies,Other parts allow small loan company to village and town bank,Can also be a personal loan, etc.

　　但这些变化显然还不够，细则对小额贷款公司转变为村镇银行没有着力提及。其实，小额贷公司不一定都转为村镇银行，有条件的可以转为城商行。

But these changes obviously not enough,Rules of small loan companies into the village and town bank not to mention.In fact,Small loan company is not always to village and town bank,Conditional can be converted into city business.

　　实际上，小额贷款公司恰恰是农村小额金融最需要的，是普惠式金融，甚至是熟人金融，用不着担保，很多时候，农民春天借了，秋收就还了，而且大家都相互认识，用不着抵押，小额贷款恰恰是为这些农村的普惠金融和农村的小微企业服务?的。

In fact,Rural microfinance small loans company is most in need,Pratt & Whitney is financial,Even acquaintances finance,Don't have security,Most of the time,Farmers borrowed in spring,The autumn harvest is still the,And you know each other,Don't need a mortgage,Microfinance is for these pratt & Whitney in rural finance and rural small micro enterprise service?the.

　　另一个值得关注的事件是，互联网金融正在崛起，比如背靠强大网络会员平台的阿里巴巴金融就在不断壮大，不但支付宝业务对银行的传统支付方式产生冲击，而且其发展快速的阿里信贷也已从只向付费会员开放，转为面向苏、浙、沪三地所有普通会员，甚至可能面向全国会员开放，带给商业银行的巨大冲击不言而喻。

The other is a notable event,Internet banking is rising,Such as backed by powerful network platform members of alibaba financial is growing,Not only pay treasure traditional business of the bank payment impact,And the rapid development of ali credit has also from open to pay for members only,To the su/zhejiang/Shanghai all ordinary members,May even facing the whole country members,To bring the huge impact of commercial Banks is self-evident.

　　可以预期的是，2013年，互联网金融不论在支付方式上还是在信贷方面，都将以更快的速度发展，对银行的冲击力也将更大。这不仅因为阿里这些客户原本是银行潜在客户，还因为阿里金融有着银行无法比拟的优势，其基于企业经营数据和现金流的风险管理技术优于银行业广为推行的供应链金融，甚至对银行业未来的授信模式也产生冲击。

Can be expected,In 2013,,Internet banking whether in the form of payment or in terms of the credit,Development will be faster,Impact on Banks will also bigger.Not only because ali these clients was bank of potential customers,But also because ali has incomparable advantage over bank finance,Based on its business data and the risk of the cash flow management technology is better than that of the banking industry for implementation of the supply chain finance,Even for the future of banking credit mode and impact.

　　另一个改革关键是完善金融监管体系。金融监管体系实际上和中国对外的金融环境、对外开放程度有很大关系，现在已经金融国际化了，所以监管也要国际化。同时，金融业务综合化、现代化也要加强监管。

Another key is to improve the financial supervision system reform.Financial supervision system in China and foreign financial environment/Degree of opening to the outside world has a lot to do,Now the financial internationalization,So supervision will be internationalized.At the same time,Financial business integration/Modernization also should strengthen the supervision.

　　据一些金融专家透露，完善金融监管体系可能分三个步骤进行。

According to some financial experts,Perfect the system of financial supervision may be carried out in three steps.

　　第一步是在总的金融监管体制不变的情况下，进一步改进和完善，“现在我们三家使用联席会的办法，这个很松散，应该加强一下”，一名金融专家表示。

The first step is in under the condition of invariable total financial supervision system,To further improve and perfect,"Now we use three joint method,This is very loose,Should strengthen the",A financial experts.

　　第二步是可在银监会、保监会、证监会这个“三会”的基础上建立一个金融监管协调机构，这个机构在国务院层次上建立，主席可由主管金融的国务院副总理或者国务委员兼任，其他各监管部门主要负责人参加。

The second step is available on the banking regulatory commission (CBRC)/circ/China securities regulatory commission this"Three will be"On the basis of establishing a financial supervision coordination mechanism,The agency under the state council established on the level,Chairman can financial vice premier of the state council or by the competent state councilor concurrently,Other superintended a branch to main person in charge to attend.

　　第三步是在条件成熟的时候，在中国金融监管协调委员会的基础上，建立具有政府管理职能的中国金融监督管理委员会。

The third step is when conditions mature,On the basis of China's financial supervision coordination committee,Establish a government management function of China's financial supervision and administration commission.

　　也有业内透露，目前这个改革方案已经提交给中央有关部门，如果能通过，酝酿多年的金融监管体制改变将迈出新的一步。

There are revealed in the industry,At present, the reform plan has been submitted to the relevant departments,If you can through the,Brewing years of financial supervision system change will be a new step.