“政府工作报告中提到，要守住不发生系统性和区域性金融风险底线。这两天记者问得最多就是你们采取什么措施，这话真没法回答。系统性的风险是毁灭性的，作为监管机构责无旁贷。但是金融机构作为市场的行为者来说，它们怎么看？我在守，它在冲，根本是守不住的。”昨天（3月6日），全国政协委员、银监会副主席蔡鄂生在政协分组讨论上如是表示。

"Government work report,Keep not systemic and regional financial risk the bottom line.The reporter asked two days at most is what you do,This really can't answer.Systemic risk is devastating,As the regulatory responsibility.But for financial institutions as a market behavior,How they look?I keep,It in rush,It is untenable."yesterday(On March 6,),The CPPCC national committee/Cai Esheng, vice President of the China banking regulatory commission said on the Chinese people's political consultative conference (CPPCC) group discussions.

　　对此，蔡鄂生建议，应建立金融机构的市场退出机制。昨天，在接受《每日经济新闻》记者专访时蔡鄂生透露，《金融机构破产条例》已经在银监会部门内部征求意见，具体什么时候出来暂无时间表。

For this,Cai Esheng advice,Shall establish financial institutions market withdrawal mechanism.yesterday,In a[The daily economic news]Reporter in an interview with Cai Esheng disclosed,[Financial institutions bankruptcy ordinance]Already within the department of the China banking regulatory commission for advice,Specific no schedule when to come out.

　　出台金融机构破产条例无时间表/ A bankruptcy ordinance no schedules/financial institutions

　　蔡鄂生认为，守住风险底线也需要金融机构承担责任。在小组讨论会上他批评道：“现在出现的有些风险，不是金融机构自己不能解决，而是什么都不愿意放弃，风险越来越大，这就是没有底线思维的结果。”

Cai Esheng think,Also need to keep risk bottom line financial institutions bear the responsibility.He criticized the in group discussion at the meeting:"There is some risk,Not financial institutions cannot solve by myself,But what all don't want to give up,The risk is more and more big,This thinking is that there is no bottom line results."

　　蔡鄂生坦言：“我现在最头疼的问题就是设立一个机构的时候，大家都说该设，但是不好的时候，怎么把它摘出去。”

Cai Esheng admitted:"I now the most headache problem is setting up a body,Everybody said the set,But bad time,How to pick it out."

　　蔡鄂生也提到：“现阶段来说，破产对职工是一个很大的伤害，金融机构在破产保护、重组都不行的情况下真正能破产吗？别说破产，现在我们哪个金融机构敢在经济不太好的情况下裁员？他们没这个胆量。”

Cai Esheng also mentioned:"At this stage,,Bankruptcy is a great harm to the worker,Financial institutions in bankruptcy protection/Restructuring under the condition of not really go bankrupt?Don't say bankruptcy,Which financial institutions now we dare to jobs in the economy is not very good condition?They don't have the guts."

　　为此，蔡鄂生建议尽快出台《金融机构破产条例》，建立和规范金融机构的市场退出。他认为，现阶段金融机构的数量不少，但是质量和特色这方面比较弱，解决这些问题就需要市场的优胜劣汰。

To do this,Cai Esheng advice as soon as possible[Financial institutions bankruptcy ordinance],Establish and standardize the market exit of financial institutions.He thinks that,At this stage the number of financial institutions,But the quality and characteristics of the weak,To solve these problems needs the market evolution.

　　在《金融机构破产条例》的出台方面，蔡鄂生对《每日经济新闻》新闻记者表示：“按照基本规律和基本规则，《金融机构破产条例》要配合存款保险制度出来。老不出来的话，（金融机构破产条例）就探索不了。”

In the[Financial institutions bankruptcy ordinance]Of the aspects,Cai Esheng to[The daily economic news]News reporters:"According to the basic rules and basic rules,[Financial institutions bankruptcy ordinance]Want to cooperate with deposit insurance system.The old not to come out,(Financial institutions bankruptcy ordinance)Can't explore."

　　据他介绍，存款保险制度也在加紧地搞，牵头的部门是人民银行。而金融机构破产条例是国务院的法规，银监会受托起草，起草完提交给国务院法制办，国务院法制办再根据相关的要求去做。

According to he,Deposit insurance system is also stepping up to do,Led the department is the people's bank of China.While the financial institutions bankruptcy rules are the rules and regulations of the state council,Banking regulatory commission to draft a trustee,After draft submitted to the legislative affairs office of the state council,Legislative affairs office of the state council according to relevant requirements to do it.

　　目前，《金融机构破产条例》的出台暂无时间表。蔡鄂生表示：“我从来不会是预言家，我只是努力工作，争取早日提交。出台还有一定距离，现在还在部门之间征求意见。从我们的愿望来讲，希望早日出来。”

At present,[Financial institutions bankruptcy ordinance]No schedule of.Cai Esheng said:"I never is a prophet,I just work hard,Strive for an early submission.There is a certain distance,It is between the department for advice.Will tell from our wishes,Hope to come out."

　　蔡鄂生：“我最不愿谈信托”/ Cai Esheng:"I don't want to talk about trust the most"/

　　作为分管非银行金融机构监管的副主席，蔡鄂生在 《每日经济新闻》记者问及信托时表示：“别问我了，我最不愿意谈的就是信托。”蔡鄂生对信托是又爱又恨，对于舆论的批评，蔡鄂生持爱护的态度。对于信托公司的某些做法，蔡鄂生也不满意。

As vice chairman in charge of the regulation of non-bank financial institutions,Cai Esheng in [The daily economic news]When asked about the trust said:"Don't ask me,I don't want to talk about most is the trust."Cai Esheng to trust is a love-hate relationship,Criticism of the public opinion,Cai Esheng love skepticism.For some trust companies,Cai Esheng also not satisfied.

　　蔡鄂生在小组讨论上表示，亚洲金融危机的时候，信托有好几百家，后来经过清理整顿只剩了60多家。按道理这些都是我们认可的。但是这60家，他们每做一件事，说他好的不多。这60多家做的事很多都是和宏观调控相悖的。

Cai Esheng said in the group discussion,When the Asian financial crisis,There are several hundreds of trust,Later after the rectification of only more than 60.These are our approved on principle.But this 60,They each do one thing,Said he doesn't do well.The more than 60 do many are and macro-control.

　　不过，对于舆论对信托公司的批评，蔡鄂生又转向了爱护信托发展的角度。他表示：“大家敢于批评，但也要善于批评，要站在一个历史发展阶段上来看我们现在的问题。”

but,Criticism of the public opinion to trust companies,Cai Esheng again to take good care of trust development point of view.He said:"You dare to criticize,But it must be good at criticism,To stand in a historical stage of development based on our present problems."

　　他表示，信托公司刚刚成立的时候，国人财富有限，造成了资产管理和财富管理的先天不足。加上信托公司很多人都是银行出来的，信托做的很多事也有类信贷的性质。在宏观调控中、银行的信贷收缩的背景下，也解决很多企业的融资问题。

He said,The trust company has just established recently,Chinese wealth co., LTD.,Due to the congenital deficiency of asset management and wealth management.Coupled with the trust company a lot of people come out in the bank,Trust to do a lot of things have the nature of the type of credit.In macroeconomic regulation and control/Under the background of bank's credit crunch,Also many enterprises financing problem.

　　2012年12月，财政部、发改委、人民银行、银监会联合发布通知重申制止地方政府违法违规融资行为。其中提到：“融资平台公司等公益性项目建设举借需要财政性资金偿还的债务，除法律和国务院另有规定外，不得向非金融机构和个人借款，不得通过金融机构中的财务公司、信托公司、基金公司、金融租赁公司、保险公司等直接或间接融资。”

In December 2012.,The ministry of finance/The national development and reform commission/The people's bank of China/The China banking regulatory commission jointly issued a notice reiterated to stop illegal financing behavior of local government.The mentioned:"Financing platform company and other public welfare projects need to finance capital to repay the debt,Except as otherwise prescribed by law and the state council,For non-financial institutions and individuals to borrow,Shall not be through financial institutions in the financial company/The trust company/Fund company/Financial leasing companies/Insurance companies such as direct or indirect financing."

　　这是否意味着基建信托会被叫停？蔡鄂生对《每日经济新闻》记者表示：“四部委条例是把信托点出来，但是主要的还是银行，地方政府贷款，谁给的钱最多？别只看到信托，如果一个信托真的影响那么大，你们把它看高了，太看高了，他没多大能量。”

Does this mean that the infrastructure of the trust will be halted?Cai Esheng to[The daily economic news]reporters:"Point out four ministries regulations is to trust,But the main or the bank,The local government loans,Who give the most money?Don't only see the trust,If a trust really so big difference,You look it up,Too look at high,He is not much energy."

　　近年来，信托公司打破“刚性兑付”的呼声越来越高。蔡鄂生表示：“刚性兑付是信托发展和社会一个阶段的需求，不刚性兑付，老百姓没那个意识，他干吗？最简单的股票市场，老百姓开始投资亏了就来闹，现在少了。”

In recent years,Trust companies to break"Rigid to honour"Calls for more and more high.Cai Esheng said:"Rigid redemption is a stages of trust development and social needs,No rigid to honour,People haven't the awareness,Why do he?The simplest of the stock market,People began to investment is lost,Less now."

　　信托公司打破“刚性兑付”的目前做法蔡鄂生并不认可，他说：“现在有些人把刚性兑付拿出来提了，废话！谁也没说要刚性兑付，但是你要不保障，你的市场会出现很多问题。当投资者还没有成熟的时候，对他的保护是不是也要分阶段？”

Trust companies to break"Rigid to honour"The current practice Cai Esheng is not approved,He said:"Now some people bring out rigid payment refer to it,nonsense!Who also didn't say to rigid to honour,But if you don't guarantee,Your market will be a lot of problems.When investors have yet to mature,For his protection is also will be in stages?"

　　至于刚性兑付的如何才有可能终结，蔡鄂生称：“没有结束，不会说那哪天结束，没有教训，没有案例拿出来，或者说要经历信托公司的谷底才可能。我从来没有说过现在信托公司可以昂首扩胸往前走了。”

As for the rigid payment how will end,Cai Esheng said:"Not the end,Don't say the end of the day,No lesson,No case,Or only the bottom will go through trust companies.Never said trust companies can now I hold my pectoral straight on the road."

　　温州民企发起设立信托公司，银监会是否会批准？蔡鄂生反问《每日经济新闻》记者：“这个问题可不可以不表态？民营发起信托目的是原因到底是什么？看市场的需要程度，不是说你提出需求我就要解决。”

Wenzhou corporation established trust company,Banking regulatory commission would approve?Cai Esheng ask[The daily economic news]reporter:"This problem can not say?Private launch the purposes of the trust is what reason?Look at the needs of the market,Not to say that I will solve you demand is put forward."