全国政协委员、前农工党中央秘书长陈建国，全国政协委员、中国农工民主党党员、北京君正(300223,股吧)投资管理顾问有限公司董事长杜江涛提案称，社会舆论不断呼吁“金融向实体让利”，我国传统金融行业简单、粗放的经营方式尚未根本转变，金融业必须进行改革创新，逐步放开准入管制。

The national political consultative conference (CPPCC)/Former vice-chairman of the central secretary general Chen,The national political consultative conference (CPPCC)/Chinese peasants' and workers' Democratic Party members/Beijing jun is(300223,stocks)Investment management consulting co., LTD., chairman of Du Jiangtao proposal said,Public opinion continues to call"The financial benefit to the entity",Simple traditional financial industry in our country/Extensive mode of operation has not been a fundamental shift,The financial sector must carry out reform and innovation,Let go of the access control step by step.

　　2008年以来，金融危机和衰退风险始终威胁着中国经济。随着国内经济生产要素成本上升，“人口红利”减少甚至消失，人口老龄化问题将逐步显现。为此，金融行业要进行差异化定价，要帮助实体产业完成转型升级、扶助三农和小微企业、保障就业。金融行业将面临更加复杂严峻的挑战。

Since 2008,The financial crisis and recession risks always threaten China's economy.Along with the rising cost of domestic economic factors of production,"Demographic dividend"Reduced or even disappeared,An aging population will gradually appear.To do this,The financial sector to be differentiated pricing,To help complete entity industry transformation and upgrading/Help the agriculture, rural areas and farmers and small micro enterprise/Job security.The financial industry will face more complex challenges.

　　提案指出，我国利率尚未完全市场化，商业银行存贷利差丰厚，只要多吸收存款和多发放贷款，就能实现利润增长。在这种情况下，商业银行之间的竞争无法体现在资金价格上，不利于商业银行向风险纵深领域拓展业务，构建风险控制能力。

Bill said,Marketization of interest rate in China has not yet been fully,Commercial Banks, savings and loan spreads,As long as more than absorb deposits and issue loans,Can achieve profit growth.In this case,Competition among commercial Banks is unable to reflect on the fund price,Is not conducive to commercial Banks to the risk of further expand their business areas,Build the risk control ability.

　　事实上，2008年以来银行大面积发放信贷，利润快速增长，而相比之下实体产业利润率一再下滑，中小企业和三农地区难以获得金融支持，生存和发展步履维艰。此外，金融业和实体经济盈利水平的巨大差异，诱使民间资金不断弃“实”投“虚”，一些地方出现了“全民放贷”现象。

In fact,,Since 2008, Banks large area to give credit,Rapid profit growth,Compared with the entity industry profit margins decline again and again,Small and medium-sized enterprises and rural areas difficult to obtain financial support,Struggling to survive and develop.In addition,The vast difference between the financial sector and real economy profit level,Elbowing entice private funds"real"throw"virtual",Some places appeared"National lending"phenomenon.

　　民间资金很难进入金融行业。一些政府部门为了减轻责任和控制风险，对于民营资本进入金融领域一味采取“堵”的方式，如果没有国企参与就不颁发金融牌照。诸多民营资本在缺少正规途径进入金融领域的情况下，不断涌入地下钱庄或股市楼市，造成巨大的资产泡沫。

Hard folk capital into financial industry.Some government departments in order to reduce control risk and responsibility,For private capital to enter the financial sector blindly adopt"plugging"way,If there is no state-owned enterprises involved in financial licence is not.A lot of private capital in the case of a lack of formal way into the financial sector,Pouring into underground Banks or the stock and property markets,Cause huge asset bubble.

　　我国金融创新的科技含量不足。从欧美等发达国家发展经验来看，平板终端、云计算、搜索引擎、网络支付等创新技术已经广泛的应用到实体产业，并大大提高了实体产业的运营效率。但目前金融业创新动力(310328,基金吧)不足，对电子商务以及新兴互联网技术吸纳能力有限，难以有效支撑互联网产业迅猛发展。

The lack of scientific and technological content of the financial innovation in our country.From the development experience of the developed countries in Europe and America,Flat terminal/Cloud computing/The search engine/Innovation technology such as online payment industry has been widely applied to the entity,And greatly improve the operational efficiency of the entity industry.But the current financial innovation power(310328,Fund it)shortage,Of e-commerce and emerging Internet technology absorption capacity is limited,Is difficult to effectively support the rapid development of Internet industry.

　　面对诸多复杂的挑战，应当进一步深化金融业市场化改革，放开准入管制，在金融行业中推进利率市场化改革，引入民间资本和创新技术，进一步降低三农和小微企业融资成本和门槛。

In the face of many complex challenges,Should further deepen the reform of the marketization of financial industry,Let go of the access control,Promote the reform of marketization of interest rates in the financial industry,The introduction of private capital and technology innovation,Further reduce the agriculture, rural areas and farmers and small micro enterprise financing cost and the threshold.

　　陈建国和杜江涛建议，制度上应加强顶层设计，力求在下一步的改革制度框架和运行机制中明确植入鼓励创新的基因。在金融行业中划分政府和市场的边界。市场机制有助于资源配置优化和经济效率提升，而政府的职责应是制定公平竞争的市场规则，在竞争性领域政府不应再加干预。另一方面要增加改革动力，更多尊重大众选择权，鼓励那些大到不能倒的金融企业更加尊重市场规则，通过信息透明化让大众和媒体舆论成为改革的压力与动力。

Chen and Du Jiangtao advice,System should strengthen the top-level design,Strive in the next step of reform explicitly embedded in the institutional framework and operation mechanism to encourage innovation.In the boundary of the division of government and market in the financial industry.Market mechanism helps to the allocation of resources optimization and economic efficiency,The government's responsibility should be to make the market rules of fair competition,The government should not add intervention in the competitive field.On the other hand to increase the power reform,More respect the public option,Encourage those too big to fail financial firms more respect the market rules,Through reform become the information transparency to the public and the media public opinion pressure and motivation.

　　要进一步深化金融关键领域的改革，逐步解决阻碍金融创新发展的深层次体制、机制问题，积极稳妥推进利率市场化改革。要总体按照先长期后短期、先大额后小额、渐进式推进存款利率市场化。要重视发挥大型银行的引领作用，避免资金价格过度波动。与此同时，还应高度关注中小金融机构风险并加快建立存款保险制度，构建系统性金融风险监测评估框架。

To further deepen the financial reform in key areas,Step by step to solve deep hindering the development of the financial innovation system/mechanism,We will actively yet prudently advance market-based reform of interest rates.To according to the first long after short term as a whole/After the first big small/Incremental advance deposit interest rate marketization.To emphasize the leading role of big Banks,To avoid excessive price volatility.At the same time,Should also be paid close attention to small and medium-sized financial institutions risk and establishing the deposit insurance system,Systemic financial risk monitoring and evaluation framework.

　　两位政协委员还建议，应吸纳科技成果促进金融创新，以市场为导向，以提高金融服务能力和效率为根本目的，吸纳手机支付技术等高新科技成果，鼓励和加强金融组织、产品和服务模式创新。通过调整监管者功能定位、发展新型服务模式和建设多层次金融市场来促进金融创新，动态把握金融创新的界限。通过引进新技术工具、增强金融服务能力，从而加强对科技创新的金融支持，促进新能源、新材料、电子商务等战略性新兴产业的创新发展。

Two Chinese people's political consultative conference committee also recommended,Should absorb the scientific and technological achievements to promote financial innovation,Take the market as the guidance,In order to improve the ability and efficiency of financial services as a fundamental purpose,Absorb the mobile payment technology such as high and new scientific and technological achievements,To encourage and strengthen financial organization/Product and service pattern innovation.By adjusting the regulators function orientation/Development of new service mode and the construction of multi-level financial market to promote financial innovation,Dynamic grasp the limits of financial innovation.Through the introduction of new technology tools/Enhance the financial service ability,To strengthen financial support for scientific and technological innovation,Promote the new energy/The new material/The innovative development of strategic emerging industries such as electronic commerce.

　　应坚持金融服务于实体经济的监管原则，防止出现产业空心化现象。通过政策鼓励，引导金融机构和小额贷款公司通过技术创新积极探索服务“三农”新模式，同时积极拓展股票、债券和期货市场服务“三农”的渠道，完善农业保险制度。加大财税政策支持“三农”力度。在风险可控的前提下，通过政策引导民间资本参与银行、证券、保险等金融机构的改制和增资扩股。支持民间资本参与设立村镇银行、贷款公司、农村资金互助社等新型农村金融机构和小额贷款公司。

Should insist on the principle of regulation in the financial services in the real economy,To prevent industrial hollowing out phenomenon appeared.Through policy to encourage,Guide the financial institutions and small loans company through technical innovation actively explore service"Agriculture, rural areas and farmers"The new model,At the same time, actively expand the stock/Bond and futures market services"Agriculture, rural areas and farmers"Of the channel,Improve the system of agricultural insurance.Increase the fiscal and taxation policy support"Agriculture, rural areas and farmers"Efforts to.On the premise of risk control,Through policies to guide private capital to participate in the bank/securities/The restructuring of financial institutions, such as insurance and private placements.Support folk capital to participate in the set up village Banks/Loan company/Rural capital support, etc. The new type of rural financial institutions and small loan companies.