本报记者 丁默 北京报道

Our reporter Ding Mo reports from Beijing

　　2013换届之年的“两会”，新一轮“大部制”机构改革方案和即将迎来的人事变动吸引了大多数镁光灯，乃至这两日“肖钢称支持周小川留任央行行长”、“周小川对留任传闻笑而不语”等微博体消息一经发布，便以迅雷不及掩耳之势席卷网络。

2013 years of transition"The two sessions",A new round of"The super-ministries"Institutional reforms and personnel changes will attract most of the spotlight,And this two days"Mr. Xiao said support for Mr. Zhou as the central bank governor"/"Zhou xiaochuan to stay smiling without a word"Such as weibo message body once released,With a thunderbolt of potential across the network.

　　此前，多种传闻版本中，现年65岁的周小川将获得连任，而中国银行(601988,股吧)董事长肖钢将出任央行党委书记。相较于传闻满天飞的人事大调整，“两会”上金融相关的议题就要沉寂得多了。身居代表、委员的杨凯生、马蔚华、董文标们再也用不着像去年“两会”忙不迭为银行是否暴利辩护了，代表委员站出来围攻声讨银行暴利的戏剧性场面也没了。

after,A variety of versions,The 65 - year - old zhou will get re-elected,The bank of China(601988,stocks)Chairman, will become party secretary of central bank.Compared with Yu Chuanwen flying personnel adjustment,"The two sessions"On the financial related issues will be much more silent.Held on behalf of/Members of Mr Yang/Mr Ma/Dong Wenbiao won't have to like last year"The two sessions"Rush to justify whether bank profits,Representatives to lay siege to denounce the drama of bank profits.

　　“专情多、思绪乱，等会后再说吧。”3月6日，一位身兼人大代表的地方银监局局长如是回复记者，2013年，银行家们较往年低调得多，不少人暂时还没有拿出议案、提案。

"Devoted much/My thoughts about,After the meeting to say again."On March 6,,A body of the people's congress and local branch chief, so reply,In 2013,,Bankers are more low-key,Many people are not out of the bill/proposal.

　　董文标：商业银行可能成为经济改革的阻力

Dong Wenbiao:Commercial Banks may become the resistance of the economic reform

　　2013年要低调。 In 2013 to a low profile.

　　先是招商银行(600036,股吧)行长马蔚华因日程安排紧张取消了原定的新闻发布会，而后又传出记者朋友喜欢的“大嘴”民生银行(600016,股吧)董事长董文标也要低调，接近董身边的人说，董有望出任新一届全国政协常委。

First, China merchants bank(600036,stocks)President, Mr Ma for canceled a tight schedule of the press conference,Then from a reporter friend like"Big mouth"Minsheng bank(600016,stocks)Chairman Dong Wenbiao also want a low profile,Close to dong said to the man beside him,Dong is expected to become the new standing committee of the CPPCC national committee.

　　不过，3月5日，董文标还是拿出了一个重磅提案《深化体制改革，加速推进中国银行业民营化进程》，身兼全国工商联副主席的董呼吁中央制定计划，安排时间表，让民营控股的商业银行五年内从数量和规模上双双达到30%。

but,On March 5,,Dong Wenbiao or come up with a big bill[We will deepen reform of the system,To accelerate the process of China's banking sector privatization],As vice President of the all-china federation of dong called for the central planning,Arrange schedule,Let private holdings of commercial Banks in five years from the number and size on both reach 30%.

　　董文标先是描述了中国银行业商业银行糟糕的国有股独大的股权结构现状

Dong Wenbiao first described China banking of commercial Banks bad state-owned shares alone big equity structure present situation

　　从当前中国373家主流商业银行来看，95%都是中央政府、地方政府、大型国有企业和地方政府平台公司控股，5家国有大型银行自不必说。在12家股份制商业银行中，只有民生银行、平安银行(000001,股吧)属民营企业控股。在144家城商行和212家农商行中，仅在江浙一带有14家小型民营银行。

From the current 373 mainstream commercial bank of China,95% is the central government/The local government/Large state-owned enterprises and local governments platform holding company,Five state-owned Banks need not say oneself.In the 12 joint stock commercial Banks,Only the bank of the people's livelihood/Ping an bank(000001,stocks)Private enterprises holdings.In the city of 144 businesses and 212 in the bank,Only in jiangsu and zhejiang with 14 small private Banks.

　　从商业银行资产规模来看，大型国有银行与政府控股的商业银行占商业银行资产总规模的95%，其中“工农中建交”占商业银行资产总规模的60%以上。

From commercial Banks assets,Large state-owned Banks and the government holding commercial Banks accounted for 95% of the total scale of commercial bank assets,Among them"The workers and peasants in the establishment of diplomatic ties"More than 60% of the total scale of commercial bank assets.

　　“改革开放三十多年，民营银行在主流商业银行体系中仅占5%。”董文标说。

"More than 30 years of reform and opening up,Private Banks in accounted for only 5% of mainstream commercial banking system."Dong Wenbiao said.

　　接着，董文标一一陈述中国银行业国有控股制度的致命缺陷“一股独大”公司治理难以提升，“大而不强”、“走出去、国际化”困难重重、抑制民营企业发展……

then,Dong Wenbiao statement one by one fatal flaw in China's state-controlled banking system"A dominant"Corporate governance is difficult to ascend,"Big and not strong"/"To go out/The internationalization"The difficulties/Inhibition of private enterprise development............

　　董文标的一系列言论，可谓石破惊天：

A series of speech Dong Wenbiao,Stone broken tc:

　　“商业银行在中国经济改革转型中很难再扮演重要角色，并可能成为经济改革的阻力，因为国有控股性质决定他不讲市场语言，只讲政府语言。”

"Commercial Banks in China can play an important role in the economic reform transition,And may become the resistance of the economic reform,Because state-owned property decided he didn't speak language,Only speak the language."

　　“在政府呵护下，现行体制下的商业银行很难练出自身肌肉，非但培育不出中国的汇丰银行，反而容易使银行出现"三高症"。”

"Under the government care,Under the current system of commercial Banks is very difficult to build their muscles,Rather than foster a HSBC bank in China,Easy to make the bank appear instead"Three tenors disease"."

　　“目前体制下的商业银行与民企、小微企业、新型市场没有共同语言。”

"Under the current system of commercial bank and the corporation/Small micro enterprise/Emerging markets have no common language."

　　关注细节 Attention to detail

　　如此可见，银行家们试图通过“两会”平台推动金融改革的设想，仍然值得期许。

So visible,Bankers are trying to pass"The two sessions"Platform to promote financial reform ideas,Still worth hopes.

　　光大集团董事长唐双宁和马蔚华的议案（提案）不约而同指向了代表中国金融业分业监管体制的《商业银行法》，两人要求重新修订商业银行法。

Everbright group chairman Tang Shuangning and Mr Ma's bill(proposal)Happen to coincide to on behalf of the Chinese system of financial industries managed and supervised respectively[Commercial bank law],Two people have called for revising the commercial bank law.

　　无论是允许商业银行从事财富管理信托业务，还是允许其投资参股或控股信托公司、证券公司、保险公司以及其他非银行金融机构，抑或呼吁进一步推进资产证券化，中国金融业混业经营大势已经不可阻挡，金融监管协调统一已提到金融改革的议事日程。

Whether it's permitted commercial Banks to engage in trust wealth management business,Or allow it to invest three or holding the trust company/A securities company/Insurance companies and other non-bank financial institutions,Or calling for further promote asset securitization,Chinese financial mixed management trend is unstoppable,Financial regulation coordination unified mentioned financial reform agenda.

　　相较而言，其他银行家则更加关注金融改革的细节。3月6日，浦发银行(600000,股吧)新任行长朱玉辰联合复星集团董事长郭广昌提出《关于浦发硅谷银行试点人民币业务许可的提案》，抱怨2012年浦发银行与美国硅谷银行合作发起的浦发硅谷银行，成立一年来的种种“水土不服”“至少三年内只能经营外汇业务的规定”、“资金来源限制”。

By contrast,Other bankers are paid more attention to the details of the financial reform.On March 6,,Shanghai pudong development bank(600000,stocks)New President Zhu Yuchen joint fosun chairman guo guangchang is put forward[About silicon valley pudong development bank pilot RMB business license of the proposal],Complained that the 2012 Shanghai pudong development bank and silicon valley bank cooperation silicon valley launched by Shanghai pudong development bank,Established over the past year"Water and soil refuses to accept""Only the provisions of the foreign exchange operations for at least three years"/"Sources of funding restrictions".

　　今年，北京银行(601169,股吧)董事长阎冰竹的提案高达10个，数量几乎在银行家委员代表中夺冠，涉及放宽创业板上市限制、适当放宽小额贷款公司银行融资比例限制、保障房退出机制、城镇化质量方方面面，甚至还有关于加大失独家庭关怀力度的提案。

This year,Bank of Beijing(601169,stocks)The chairman Yan Bingzhu proposal is as high as 10,Win the gold medal number in bankers' committee on behalf of,Relating to ease restrictions on gem/Appropriate ease restrictions on small loans company bank financing proportion/Affordable housing exit mechanism/Urbanization quality aspects,Even proposals about increasing loss of family care alone.