⊙记者 陈俊岭 实习生 姜隅琼 ○编辑 龚维松

Even though journalists Chen Junling interns jiang corner Joan Gong Weisong editor

　　金融大部制改革已成为本届两会金融代表委员的热点话题。围绕金融顶层设计、金融改革创新等话题，代表委员纷纷建言献策，既有宏观的顶层设计构想，也有一线从业人员有关改革细节的建言。

Financial the super-ministries reform has become a hot topic of this session of the CPPCC financial representatives.Around the top financial design/Topics such as financial reform and innovation,On behalf of the committee to make recommendations,At the top of both the macro design vision,There's also a line workers, with details of the reform.

　　民建中央在向全国政协十二届一次会议提交的提案《深化改革促进资本市场安全健康发展》中建议，强化金融改革顶层设计，建立金融监管跨部门行政协调机构；建议成立国务院领导下的统一金融监管行政协调机构，将目前各个金融监管机构统一联系起来，共同制定金融和资本市场运行中的各项规则，以推进金融改革，推进中国特色市场经济全面发展。

Committee of the central to the first session of the 12th CPPCC national committee submitted proposals[Deepen the reform to promote safety and healthy development of capital market]Suggested in,Strengthen the financial reform of the top-level design,Administrative coordination agency established financial regulation across departments;Suggest set up the unified financial supervision under the leadership of the administrative coordination institution under the state council,Link has all financial regulators unified,Make joint financial and capital market operation of the rules,In order to promote financial reform,Promote the overall development of the market economy with Chinese characteristics.

　　该提案称，目前，我国金融监管体制是分业经营、分业监管模式。尽管中国人民银行与银监会、证监会、保监会以部际联席会议制度的形式建立了金融监管协调机制，但至今尚未建立起长期有效的跨部门协调机构。

According to the proposal,At present,China's financial regulatory system is a separate operation/Differentiated regulation mode.Although the people's bank of China and China banking regulatory commission/Securities regulatory commission (CSRC)/Circ to inter-ministerial joint conference system was established in the form of financial supervision coordination mechanism,But has yet to establish a long-term effective inter-departmental coordinating mechanism.

　　全国政协委员、中国人民银行重庆营业管理部主任白鹤祥在5日的政协分组讨论中也提出了类似的建议。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，应尽快制定符合我国金融业综合经营趋势的相关法律，比如制定金融控股公司法。

The national political consultative conference (CPPCC)/Banking management department of the people's bank of China chongqing Bai Hexiang on 5th of the Chinese people's political consultative conference, director of the group discussion is also made a similar proposal.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 suggested that,Should be set as soon as possible with trend of financial industry comprehensive management of relevant laws in our country,Regulation of 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。”

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."

　　围绕大部制改革，商业银行大佬们也纷纷将各自提案落在具体、可实施的法律制度保障上。全国政协委员、工商银行(601398,股吧)副行长张红力在提案中建议，应由全国人大法工委牵头起草，征求和吸纳金融主管部门的立法建议，制定金融稳定法。提案中提到，“维护金融稳定本就是金融监管机构的职责所在，无需另设机构，但应考虑做实更高层面的监管协调机制，在需要维护金融稳定时可以当机立断，众志成城。”同时，提案称，我国目前以机构监管为主的体制，要向功能监管与机构监管结合的方向转变，要强化现有监管机构在维护金融稳定、进行宏观审慎监管方面的职责。

Around the super-ministries reform,Commercial bank bosses have their proposal in concrete/On the implementation of the legal system of security.The national political consultative conference (CPPCC)/Industrial and commercial bank of(601398,stocks)Vice President Mr. Zhang suggested in the proposal,Should be led by the National People's Congress li drafting,Ask for and absorb the legislative Suggestions of financial departments,Financial stability.Mentioned in the proposal,"Maintaining financial stability is the responsibility of the financial regulator,Without setting up institutions,But should be considered for a higher level of supervision coordination mechanism,Can decide if it is necessary to maintain financial stability,Unity is strength."At the same time,Bill said,Predominantly institutions supervision system in our country at present,To functional regulation, combined with regulators control the direction of the shift,To strengthen the existing regulatory agencies in maintaining financial stability/Responsibility for macro-prudential regulation.

　　除金融大部制、金融顶层设计等话题外，以温州金改、深圳前海金融试点等为样本的地方金融创新也成为两会金融代表委员的热议话题。

In addition to the financial the super-ministries/The top design topics such as financial,In financial reform in wenzhou/Shenzhen sea financial pilot as samples before place the financial representatives financial innovation has become the two hot topics.

　　全国政协委员、中国银行(601988,股吧)监事、东方资产管理公司原总裁梅兴保今年提交的提案，重点关注金融机构改革和地方政府监管在解决中小企业融资难层面上的实践。梅兴保认为，为服务于中小企业的金融机构提供生存发展的空间，要从组织架构框架上解决，即“草根金融”，并给予地方政府监管中小金融机构的权力。

The national political consultative conference (CPPCC)/The bank of China(601988,stocks)The supervisors/Orient asset management company, former President of MeiXingBao proposal submitted this year,Reform focuses on financial institutions and local government regulations in dealing with the practice of small and medium-sized enterprise financing difficult level.MeiXingBao think,To serve the financial institutions of small and medium-sized enterprises provide the survival and development space,Must be considered in organizational framework,namely"Grassroots financial",And given the power of the small and medium-sized financial institutions supervision of local government.

　　此外，全国人大代表、中国光大集团董事长唐双宁和全国政协委员、招商银行(600036,股吧)行长马蔚华不约而同地提议修改金融业分业监管体制的《商业银行法》。唐双宁建议，要完善金融监管协调机制，“在金融创新成为业界常态、综合经营试点不断扩大的情况下，完善监管协调是防范金融风险的必然选择”。

In addition,The National People's Congress/Chairman of China everbright group Tang Shuangning and the CPPCC national committee/Merchants bank(600036,stocks)President ma weihua proposed to modify the system of financial industries managed and supervised respectively[Commercial bank law].Tang Shuangning advice,To improve the financial supervision coordination mechanism,"In financial innovation to become the industry norm/Under the condition of expanding comprehensive pilot run,Perfecting supervision coordination is the inevitable choice of preventing financial risks".

　　全国政协委员、央行货币委员会成员李稻葵则在提案中建议，把银行业试行部分资产证券化作为金融改革的“抓手”。

The national political consultative conference (CPPCC)/While the bank of England's monetary committee member li daokui proposals are suggested,The banking sector on a trial basis part of asset securitization as a financial reform"gripper".