昨日，全国政协分组讨论进入第二天，不时有委员端上“硬菜”提案。昨日，全国政协委员、中国人民银行重庆营业管理部主任白鹤祥道出了他对金融行业的三个建议，引起了在场委员的思考。

yesterday,The Chinese people's political consultative conference group discussion into a second day,From time to time have a member on the end"Hard food"proposal.yesterday,The CPPCC national committee/Director of banking management department of the people's bank of China chongqing Bai Hexiang voiced his three Suggestions for the financial industry,Stimulate the thinking of present members.

　　作为在地方从事具体工作的委员，白鹤祥表示，金融监管有过度重复也有空白。他认为，当前金融行业综合经营的趋势已经不可逆转，但现行的金融管理体制为分业监管，对有些企业来说可能存在监管过度和重复监管，而对有些企业来说则是监管空白。他建议考虑尽快就我国金融业综合经营的趋势制定相关法律，比如制定《金融控股公司法》。

As a member of the in place engaged in specific work,Bai Hexiang said,Financial regulation have excessive repetition and blank.He thinks that,The current financial industry comprehensive management has been an irreversible trend,But the current financial management system for a minute industry supervising,For some businesses may exist excessive regulation and repeat regulation,For some companies, however, it is a regulatory gaps.He proposed to consider it as soon as possible the trend of the financial industry comprehensive management formulated relevant laws in our country,Such as making[Financial holding company law].

　　白鹤祥还建议，制定政策时应加强部际协调，增强政策的合力，提高效力和严肃性。他认为应避免各部委站在各自角度来研究、考虑问题和出台政策。“这样出台的政策在执行上协调的效果不佳，甚至会出现抵触现象，给企业和社会带来很多困扰。”他还表示，税收政策中涉及老百姓、中小企业的政策，出台前要有严格程序，要经过广泛深入的调研论证。他还认为，税收政策应该集中出台，不要单打独斗。

Bai Hexiang also suggested that,When it makes policy should strengthen inter-ministerial coordination,Strengthen the policy of the resultant force,Improve the effectiveness and seriousness.He stood the ministries should be avoided in their Angle to study/Think about problems and policies."Such policies on coordination in the implementation of the effect not beautiful,Can appear even resistance phenomenon,Brings to the enterprise and society a lot of trouble."He also said he,The people involved in the tax policy/Small and medium-sized enterprise policy,Before to have strict procedures,Through extensive research.He also argues that,Tax policy should focus on,Don't fight alone.

　　在外汇储备方面，白鹤祥也建议将外汇管理和宏观政策联系起来看。他认为，应考虑用外汇资源来建立石油储备、购进大宗商品，并调整整体进出口政策，并对出口退税等政策进行整体考虑和调整。

In terms of foreign exchange reserves,Bai Hexiang also suggested link foreign exchange management and macro policy.He thinks that,Should consider to use resources to establish the petroleum reserves of foreign exchange/Purchase of commodities,And adjust the overall import and export policy,And the overall consideration and adjusting policies concerning export rebates, etc.