服务新型城镇化，金融大有可为，也必将大有作为。一方面，资金投入是新型城镇化建设中需要解决的首要问题；另一方面，新型城镇化是金融服务经济结构升级的重要引擎。

Service of new urbanization,Financial",Will go a long way.On the one hand,Money is the most important of the new type need to be solved in the construction of urbanization;On the other hand,New type of urbanization is the important engine of economic structure upgrade of financial services.

　　随着利率市场化的加速推进，金融脱媒加剧，商业银行转型的压力与日俱增。在银行谋求转型的过程中，资产管理行业被视为“蓝海”。

With the acceleration of marketization of interest rates,Financial disintermediation,Increased pressure in the transformation of commercial Banks.In the process of seeking transformation in the bank,The asset management industry is considered"Blue ocean".

　　在银行盯紧这块“蛋糕”的同时，也面临信托、券商、基金、期货和保险等金融子行业的竞争压力，在群雄逐鹿的资产管理行业，商业银行有哪些机遇和优势？

Look at this in a bank"The cake"At the same time,Is also facing the trust/brokers/fund/Futures and insurance and other financial industry competition,In highlighting the asset management industry,What are the opportunities and advantages of commercial Banks?

　　近日，北京银行(601169,股吧)（601169.SH）公告称，该行发起设立基金管理公司获得银监会批复，同意该行联合其他合格股东共同发起设立基金管理公司。基金管理公司由北京银行、加拿大丰业银行、北京有色金属研究总院共同出资发起设立。基金管理公司的最终设立尚需得到中国证监会的批准。

In recent days,Bank of Beijing(601169,stocks)(601169. SH)announcement,The bank established fund management companies get CBRC's approval,Agree the bank joined other eligible shareholders jointly established fund management companies.The fund management company by the bank of Beijing/The bank of nova scotia/Beijing nonferrous metal research institute jointly established.Fund management company set up has yet to be approved by the China securities regulatory commission eventually.

　　这是银行系基金公司的第三次扩容，也是银行系基金公司首次吸纳城商行。

This is the third time bank fund company's expansion,Is the first time bank fund company has absorb city business.

　　今年“两会”期间，《第一财经日报》专访了全国政协委员、北京银行董事长闫冰竹，对一系列话题进行讨论和解读。

This year"The two sessions"During the period,[First financial daily]Interview with a member of the CPPCC national committee/Beijing 闫冰 bamboo, chairman of the board of the bank,On a range of topics for discussion and interpretation.

　　服务新型城镇化，金融大有可为 Service of new urbanization,Financial"

　　日报：新型城镇化是本届“两会”关键词之一。你如何看待新型城镇化的重要意义？金融在其中能够发挥什么样的作用？

daily:Is the new type of urbanization"The two sessions"One of the key words.What do you think about the significance of the new type of urbanization?In which finance can play what role?

　　闫冰竹：服务新型城镇化，金融大有可为，也必将大有作为。一方面，资金投入是新型城镇化建设中需要解决的首要问题；另一方面，新型城镇化是金融服务经济结构升级的重要引擎。

闫冰 bamboo:Service of new urbanization,Financial",Will go a long way.On the one hand,Money is the most important of the new type need to be solved in the construction of urbanization;On the other hand,New type of urbanization is the important engine of economic structure upgrade of financial services.

　　伴随新型城镇化稳步推进，与城乡一体化相配套的产业融合、企业转型、农业现代化需要大量资金支持和咨询服务。特别是顺应中小城镇产业转移升级、产业链整合趋势，需要创新支持区域产业集群和工业园区的发展建设。

Along with the steady progress of urbanization,Integration of urban and rural integration matching with industry/Enterprise transformation/Agricultural modernization needs a lot of financial support and consulting services.Especially to small and medium-sized towns industry transfer to upgrade/Industrial chain integration trend,Need innovation to support the development of regional industry clusters and industrial park construction.

　　同时，农民人均收入的提高将带动储蓄水平和消费能力的升级，商业银行要积极拓展消费金融供给渠道、大力发展城镇化住房按揭贷款、个人综合授信和消费贷款等业务，开发多样化的消费金融产品。因此，新型城镇化为金融业开辟了广阔空间。

At the same time,Rural per capita income increase will drive the upgrading of savings and spending power,Commercial Banks should actively expand consumer finance supply channels/Developing urbanization housing mortgage loan/Personal comprehensive credit business and consumer loans, etc,Develop diversification of consumer finance products.so,New towns into financial industry opened up a vast space.

　　中小金融机构是服务新型城镇化的重要力量。目前，我国金融体系结构与城镇化进程中的经济主体结构还不匹配，大量的小城镇、农村地区金融服务，需要中小金融机构提供有针对性、高质量的金融服务支持。

Small and medium-sized financial institutions are an important force in service of new urbanization.At present,The economic of China's financial system structure and the urbanization is not match the main structure,A large number of small towns/Rural financial services,Need to provide targeted small and medium-sized financial institutions/High quality financial services support.

　　银行系基金公司需积累经验 Bank is a fund company to accumulate experience

　　第一财经日报：银监会近日表示，已同意北京银行投资设立基金公司事宜。请你谈一下具体的过程。

First financial daily:Banking regulatory commission (CBRC) said recently,Have agreed to Beijing bank investment to set up the fund company issues.Would you please talk about the specific process.

　　闫冰竹：北京银行2008年就开始筹备基金公司，并与加拿大丰业银行签署了相关协议。2012年3月，人民银行、银监会、证监会召开商业银行设立基金公司试点座谈会后，基金公司筹备工作进一步提速，2013年3月4日，北京银行设立基金公司正式获得银监会批准。目前，北京银行设立基金公司各项筹备工作已经基本就绪，正在等待证监会批复。

闫冰 bamboo:Bank of Beijing in 2008 began preparing the fund company,And signed relevant agreements with the bank of nova scotia.In March 2012,The people's bank of China/The China banking regulatory commission/Securities regulatory commission (CSRC) for commercial Banks to set up the fund company pilot after the symposium,Preparations for fund companies to further speed up,On March 4, 2013,Bank of Beijing to set up the fund company formally approved by the CBRC.At present,The preparations for the Beijing bank to set up the fund company has been basically in place,Are waiting for the approval from the securities and futures commission.

　　日报：北京银行设立基金公司意味着银行系基金公司扩容至城商行，银行系基金公司有哪些优势和劣势？银行系基金公司的风险与其他基金公司相比有何不同？如何把控？

daily:Bank of Beijing to set up the fund company means Banks fund company expands to city businesses,Bank is a fund company what are the advantages and disadvantages?The risk of bank fund company compared with other funds differ?How to control?

　　闫冰竹：与一般基金公司相比，银行系基金公司主要有四方面优势：广泛的营销渠道、深厚的客户基础、丰富的固定收益产品经验、审慎的风险文化。

闫冰 bamboo:Compared with the general fund,Bank is a fund company mainly has four aspects: advantage:A wide range of marketing channels/Strong customer base/Rich experience in fixed income products/Prudent risk culture.

　　当然，经营基金公司和经营商业银行毕竟不同，银行系基金公司行业管理经验不足，需要逐步积累，经营观念也需要进一步转变。银行系基金公司除了要面临一般基金公司的风险外，还要防止基金公司和母行之间的风险传递和扩散。对此，北京银行已经建立了完善的风险隔离机制，制定了风险防火墙制度、关联交易管理制度等，将严格按照法律法规和监管机构要求，有效管理集团风险。

Of course,,Management fund companies and commercial Banks, after all, is different,Bank fund company lack of industry management experience,Need to accumulate step by step,Management also needs to change ideas.Bank is a fund company in addition to the general fund company risks,Prevent the fund companies and risk transfer and diffusion between the parent bank.For this,Bank of Beijing has established a perfect risk isolation mechanism,Made the risk firewall system/Associated business management system, etc,Will be in strict accordance with the laws, regulations and regulatory requirements,Effective risk management group.

　　日报：目前商业银行控股的基金管理公司已有8家，管理的基金资产规模近5000亿元。北京银行加入这个行列的初衷是什么？

daily:Current commercial bank holdings of the fund management company has eight,Management of fund assets of nearly 500 billion yuan.Bank of Beijing to join the ranks of purpose is?

　　闫冰竹：作为银行系基金公司的新成员，北京银行设立基金公司主要出于以下考虑：

闫冰 bamboo:As the new members of the bank fund company,Bank of Beijing set up a fund company mainly in the following consideration:

　　首先，有利于拓宽居民储蓄资金向资本市场流入的渠道，使居民通过间接参与资本市场，分享改革红利和中国经济增长成果，切实增加财产性收入。

First of all,Increase the residents' savings funds to the capital market into the channels,Make the residents to participate in the capital market through indirect,Share the achievements of reform, dividend and China's economic growth,To increase the property income.

　　其次，可以推出更多基金产品，打破单一商业银行产品的限制，更好地为客户提供全面的、一站式的金融服务，满足客户日益增长的财富管理需求。

The second,You can introduce more fund products,Break a single commercial bank product,To better provide customers with comprehensive/One-stop financial services,Growing wealth management to meet customer demand.

　　再次，有利于促进商业银行业务多元化、收入多样化，进一步提高中间业务收入占比，增强综合化经营和风险管理能力，实现由传统银行向现代化银行的转型。

Once again,,Is conducive to commercial bank business diversification/Diversification of income,To further improve intermediary business income accounted for,Strengthen comprehensive management and risk management ability,Realize the transformation of from traditional to modern bank.

　　最后，可以快速增加体量庞大的机构投资者，改变目前以散户为主的投资者结构，加速资本市场进入机构投资者时代；同时也可以为资本市场输入更多资金，增强资本市场融资功能，有力地支持资本市场健康发展。

The last,Can rapidly increase the size of large institutional investors,Change the present structure mainly retail investors,Accelerating capital market into the era of institutional investors;At the same time also can input more funds for capital market,Strengthen the function of capital market financing,Strongly support the healthy development of capital market.