本报讯（记者高晨）昨天，中国人民银行披露，国务院总理温家宝21日在中国人民银行调研时强调，鼓励以市场为导向的金融创新，发挥各类金融机构作用，加快发展民营金融机构；进一步推进金融改革，稳步推进利率市场化。

Report from our correspondent(Reporter GaoChen)yesterday,The people's bank of China disclosure,The state council premier wen jiabao 21 in the people's bank of China emphasized research,Encouraging market-oriented financial innovation,Play the role of the financial institutions of all kinds of,Accelerate the development of private financial institutions;To further promote financial reform,Steadily market-oriented interest rate.

　　在央行，温家宝表示，当前和今后一段时期，金融工作面临的国内外环境依然严峻复杂，必须进一步发挥好货币政策在实现经济持续健康发展、稳定物价和防范金融风险中的关键作用。

In the central bank,Wen jiabao said,The current and future a period,Financial in the face of the domestic and foreign environment is still severe complex,Must further play good monetary policy in realizing economic sustainable development/Stable prices and guard against financial risks of the key role.

　　在谈到构建现代金融体系时，温家宝说，要鼓励以市场为导向的金融创新，发挥各类金融机构作用，加快发展民营金融机构，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。

In the construction of modern financial system,Wen jiabao said,To encourage market-oriented financial innovation,Play the role of the financial institutions of all kinds of,Accelerate the development of private financial institutions,To promote sound macro economic stability/To support the real economy development in the modern financial system.

　　温家宝还强调，要加快发展多层次资本市场，积极培育保险市场；进一步推进金融改革，加强现代金融企业制度建设，稳步推进利率市场化，完善人民币汇率形成机制，扩大人民币在跨境贸易和投资中的使用，逐步实现人民币资本项目可兑换；进一步防范化解金融风险，切实维护金融稳定，确保国家金融安全。

Wen jiabao also stressed,We will accelerate development of multi-level capital market,Actively cultivate the insurance market;To further promote financial reform,Strengthen the construction of modern financial enterprise system,Steadily market-oriented interest rate,We will improve the RMB exchange rate mechanism,Expand the cross-border trade and investment in the use,Gradually make the yuan convertible under capital accounts;To prevent further defuse financial risks,To maintain financial stability,Ensure that the state's financial security.

解读民间金融机构服务中小企业有优势 Reading folk financial services have the advantage of small and medium-sized enterprises

　　中央财经大学中国银行(601988,股吧)业研究中心主任郭田勇表示，民间金融机构在业务经营上通常具有较强的地域性和针对性，在中小企业业务方面拥有突出的信息优势和成本优势。郭田勇特别指出，在引导民间资本走上良性轨道的同时，也不能忽视对民间资本的监管，不断完善监管政策和手段，防止监管真空区域的出现。

Bank of China, the central university of finance and economics(601988,guba)Industry research center director guo TianYong said,Private financial institutions in the business are usually has strong regional and pertinence,In the small and medium-sized enterprise business have prominent information advantage and cost advantage.Guo TianYong specifically,In guiding non-governmental capital virtuous track at the same time,Also cannot ignore the folk capital supervision,Constantly improve regulatory policies and procedures,To prevent the emergence of regulatory vacuum area.

利率市场化要遵循渐进原则 Interest rate marketization should follow the principle of gradual

　　交通银行(601328,股吧)首席经济学家连平表示，进一步推进利率市场化有必要遵循渐进原则，尤其是存款利率的市场化。利率市场化关键步骤的推进可能会给中小金融机构带来较大冲击。中小金融机构的规范程度还有待提高、市场深度还有待拓展，这些问题会影响基准利率体系的有效构建和金融机构利率风险对冲能力的提高。

Bank of communications(601328,guba)Chief economist even flat said,Further interest rate marketization is necessary to follow the principle of gradual,Especially the deposit interest rate marketization.Interest rate marketization key steps to promote small and medium-sized financial institutions may be to bring greater impact.Small and medium-sized financial institutions to improve standardization degree/Market depth remains to be development,These problems will affect benchmark interest rate system construction and financial institutions of the effective interest rate risk hedge capability is improved.