本报记者 唐玮 北京报道

Our reporter Tang Wei reports from Beijing

　　尽管不事浮华，但他每每在公众场合驻足，总会被闪光灯包围；尽管低调从事，但全球市场极具影响力的金融机构的“掌门人”、全球融资“金主”的光环，他挥也挥不掉。

Although not flashy,But he often paused in public,There will always be surrounded by a flash;Despite a low profile in,But influential financial institutions in the global market"boss"/The global finance"Gold master"The aura,His doesn't waved off.

　　如今，国家开发银行董事长陈元已不仅仅是“最有现代金融理念的银行家”，3月11日下午，陈元正式当选为全国政协副主席，迎来了新的台阶。

now,CDB chairman Chen yuan is not only a"Most modern financial concept of bankers",On the afternoon of March 11,Chen officially elected vice chairman of the CPPCC national committee,Ushered in the new stage.

　　作为已故党和国家领导人陈云的长子，陈元名字中的“元”字，既有“元”月出生又有“长子”之意。而“元”也是货币计量单位。并非巧合的是，自1981年从社科院硕士毕业至今，他的工作从未离开过经济、金融领域。

As the late party and state leaders, the eldest son of Chen yun,Chen in the name"yuan"word,both"yuan"Born and"The eldest son"The meaning of.while"yuan"Monetary unit of measurement.Not coincidentally,Since graduated from master of Chinese academy of social sciences in 1981,His work had never left the economy/The financial sector.

　　他一直津津乐道的是“开发性金融”，也带着国开行努力构筑了一座政府与市场之间的“桥梁”。而让他声名鹊起的，是他带领着不良率一度高达32.63%的国家开发银行披荆斩棘，一路发展为“亚洲最赚钱的银行”，更能一掷百亿，业务遍及全世界。

He is always relishes"Developmental financial",With CDB also strive to build a bridge between government and market"A bridge".And let him to fame,Is he once led the defective rate is as high as 32.63% of the way of the China development bank,All the way to"Asia's most profitable bank",Can throw ten billion more,Business all over the world.

金融“情结” The financial"complex"

　　翻开陈元的简历，几近完美。

Turn over Chen's resume,Nearly perfect.

　　从1982年开始，陈元先后担任北京市西城区区委副书记、书记，北京市委常委、市商贸局局长兼市体制改革委员会常务副主任，到央行副行长、国家开发银行行长、董事长、党委书记……

Starting in 1982,Chen has served as district party committee, vice secretary of Beijing xicheng district/Secretary of the party,Beijing municipal committee/Municipal commerce bureau, deputy director of the standing committee and the city system reform,To the deputy governor of the bank/National development bank/Chairman of the board of directors/Secretary of the party committee...

　　从理论到实际，再从实践出真知，他的一步步都昭示着“成绩”，真正贯彻着“不唯上、不唯书、只唯实”的座右铭。

From theory to practice,Again from genuine knowledge comes from practice,His show step by step"results",Carrying out the"BuWeiShang/Not only books/Only reality"The motto of.

　　在西城区工作期间，陈元大胆地改建了西单商业街，把西单打造成为商贸企业聚集的黄金地带。

During working in xicheng district,Chen boldly rebuilt the xidan commercial street,The xidan as business enterprise gather gold district.

　　陈元也在去年10月出版的新书《政府与市场之间》的自序中写道：“长期以来，由于受父亲陈云同志从事新中国经济工作的影响，我对经济金融领域一直怀有浓厚兴趣。从北京西城区到北京市委，到央行，再到国开行，这样的工作轨迹，引导我从地方政府转换到金融管理部门，又转换到开发性金融的实践领域。这个轨迹，恰好构成了一个从局部到整体，从微观到宏观，再到具体实践的过程。”

Mr Chen is in a new book published in October last year[Between government and market]Wrote in the introduction:"For a long time,Due to affected by the father of comrade Chen yun is engaged in the economic work of the People's Republic of China,I am a keen interest in the financial sector has been the economy.From Beijing's xicheng district in Beijing municipal party committee,The central bank,To the CDB,Such work,Guide me from the local government to the financial management department,And switch to the practice of the developmental financial fields.The trajectory,To form a from the local to the whole,From the micro to the macro,Again the process of concrete practice."

　　而这位“最有现代金融理念的银行家”很早就开始受到国际金融的启蒙。陈元回忆说：从小学高年级到初中，我就非常好奇，去看父亲时看到办公室有报纸，其中有《参考消息》。特别让我记忆很深的就是，父亲给我讲美国联邦储备委员会的主席，当时叫沃尔克，这个人后来我认识了，现在也是我们银行的顾问，他就说，这个人实际上是真正的美国总统，经济上的总统，这个让我印象很深。”

And the"Most modern financial concept of bankers"Is starting to get very early enlightenment of international finance.Chen recalled:To the junior middle school from the elementary school higher grades,I'm very curious,When I went to see father see a newspaper office,One of the[Refer to the message].Let me deep in the memory is special,Father told me about the U.S. federal reserve chairman,At the time called the volcker,The man I met later,Now is our bank adviser,He said,This person is, in fact, the real President of the United States,Economy on the President,This makes me very impressed."

　　香港证监会原主席沈联涛评价说：“在当今中国金融界，陈元董事长是我最敬重的思想领袖和实践领袖之一。”

Hong Kong's securities and futures commission chairman, Shen Lian tao said:"In today's financial world of China,Chairman Chen yuan is my one of the most respected leaders thought leaders and practice."

　　临危受命

reimbursing

　　深深的金融“情结”终于迎来了更广阔的用武之地。

Deep financial"complex"Finally ushered in the wider use.

　　1998年3月，在央行副行长职位上工作了整整十年的陈元，被“临危受命”，出任国开行行长一职。那一年正值亚洲金融危机肆虐，我国经济也受到巨大冲击，而当时国开行的不良贷款却高达32.6%。

In March 1998,On the position of deputy governor of the bank for ten years of Chen yuan,be"reimbursing",As the CDB governor.That was the year when the Asian financial crisis,Our country's economy has been huge impact,At a time when CDB non-performing loans is as high as 32.6%.

　　数年后，陈元曾回顾当年接到调任通知时候的心情：“我当时从精神来说准备不足。那会儿这账本的情况就不太好，不太理想。我看到时非常着急。”

After a few years,Chen Yuanceng back when the mood of the transfer notice:"I was underprepared from spirit.When this book is not so good,Not so good.I see very try so hard."

　　1998年的夏天，陈元马不停蹄地去了8个省市开展调研，为寻找一种新型发展模式。

In the summer of 1998,Chen on the went to the eight provinces and municipalities to carry out the research,Looking for a new kind of development model.

　　在天津，陈元成功解决了夏利7亿多元的不良贷款难题。天津夏利因为国际汽车巨头纷纷进入而不断丢失市场份额，难以偿还国开行的贷款。

In tianjin,Chen successfully solves the problem xiali 700 million yuan of bad loans.Tianjin xiali losing because of the international auto giants to enter the market,Difficult to repay the bank loan.

　　国开行的团队和天津市委书记反复商讨，最终的结果是，国开行可以提供贷款为天津城市建设提供支持，但天津市政府要帮助国开行化解夏利的不良贷款。这就是陈元津津乐道的“银政合作”。他说：“我把这故事讲给外国的投资银行人士听，他们都很惊讶，认为不可思议。”

The CDB team and tianjin municipal party committee secretary to discuss again and again,The end result was,CDB can provide loans to support the construction of tianjin city,But the tianjin municipal government to help CDB xiali to resolve the non-performing loans.This is Chen relish"The silver policy cooperation".He said:"I put this story to foreign investment bankers,They were surprised,Think incredible."

　　对内，陈元更是在1998年4月起先后开展了三次信贷改革，在贷款审查和决策之间增设三个局：市场分析局、财务分析局和评审管理局。由此，国开行建立了信贷集体审批制和融资民主制，迅速遏制了资产质量的恶化。

internal,Mr Chen is in April 1998 three times successively carried out the reform of the credit,Add three innings between loan review and decision:Market analysis (bea)/Administration bureau of financial analysis and reviews.thus,The CDB credit system and financing deeds collective democracy is established,Quickly stifled the deterioration of asset quality.

　　而陈元也把自己的职能限定在“画圈认可”。“我们贷款不是我决定，是由大家投票决定，100多个人投票，我最后只能对大家投票的结果画圈认可。”陈元称。

And Chen also limited in their functions"Circle recognition"."We loan is not my decision,Is decided by everyone to vote,More than 100 people voted,I finally can only be the result of the vote to everybody circle recognition."Chen said.

　　这种严格的机制也让陈元更有底气。

This strict mechanism also let Chen has more clout.

　　当外界纷纷质疑国开行是否会受到地方融资平台风险波及时，他在今年的全国两会上回应说：目前国开行的地方政府融资平台贷款的清理工作正在稳步进行，该行不良率已经很低，截至去年年底只有0.3%。已是连续31个季度控制在1%以内。

When the outside questioned whether CDB will affected by local financing platform risk,He responded by saying at this year's two sessions:The CDB's loans to local government financing platform cleaning work steadily,The defective rate is very low,By the end of last year was only 0.3%.31 straight quarter at 1%.

　　至此，不良率曾经高达32.63%的国家开发银行，一度成为了“亚洲最赚钱的银行”。

At this point,Defective rate was as high as 32.63% of the national development bank,Once became the"Asia's most profitable bank".

　　开发性金融探索

Developmental financial exploration

　　这个蜕变的过程，正是陈元极力推崇的开发性金融大刀阔斧实践的成果。

This process of transformation,It is Chen to aggressive developmental financial practice results.

　　开发性金融介乎于商业性金融和政策性金融之间，以服务国家战略为宗旨，以中长期融资为手段，依托国家信用，通过发行金融债券筹集大额资金，以市场化方式支持国家经济社会发展的重点领域和薄弱环节。

Developmental finance between between commercial finance and policy finance,To serve the national strategy for the purpose,By means of long-term financing,Relying on the national credit,Through the issuance of financial bonds to raise money,In market-oriented way support the national economic and social development of key areas and weak links.

　　国开行是开发性金融在中国的实践者和推动者。除了支持国家基础建设，“我们创造性地运用开发性金融方法，抓住市场建设这个牛鼻子，以批发的方式解决零售业务的共性问题。”陈元介绍说，把助学贷款、保障性安居工程、水利建设等公认的民生金融“老大难”，变成了商业可持续的银行主流业务品种。

CDB is a developmental finance practitioners and agents in China.In addition to supporting national infrastructure,"Our creative use developmental financial method,Catch the key market construction,Solve the common problems of retail business in the form of wholesale."Chen said,The student loan/Affordable housing projects/Construction of water conservancy recognized the people's livelihood finance"persistent",Into sustainable commercial Banks varieties of mainstream business.

　　不仅如此，国开行市场与投资局局长张宝荣表示，陈元来到国开行以后，一直强调业务发展要不断创新，不能只守着中长期信贷这样一个单一品种。我们一方面学习国际先进经验，比如国开行的资产证券化，就是从国外经验中获取的。同时，我们还紧紧结合国内实情做一些尝试，比如在村镇银行体系里的尝试。

Not only that,CDB, market and the investment authority Zhang Baorong said,After Mr Chen came to CDB,Have been emphasis on business development to innovation,Can not only keep the medium - and long-term credit so that a single species.We on the one hand, the study international advanced experience,Such as asset securitization of CDB,Is obtained from the foreign experience.At the same time,We also closely combined with the domestic do some attempts to the truth,Such as in the rural banking system in the attempt.

　　2005年，为贯彻国家“走出去”战略，国开行确定了开发性金融支持“走出去”，提出了“投棋布子”工作思路，派出了第一个海外工作组。

In 2005,,To implement the national"To go out"strategy,CDB determines the developmental financial support"To go out",Put forward the"Son for world"Working train of thought,Sent the first overseas working group.

　　这让陈元颇为欣慰：用了不到5年的时间，国开行就成长为中国最大的对外投融资合作银行、最大的外汇贷款银行，被评为“最佳国际合作银行”。

This let Chen very gratified:Took less than five years,CDB has grown into China's largest foreign investment and financing cooperation of the bank/The largest foreign exchange bank loans,Was rated as"The best bank for international cooperation".

　　这也是无论何时，只要是国开行代表团去审核潜在贷款项目，始终都能受到高规格接待的原因。

It is no matter when,As long as the CDB delegation to review potential loan programs,Always can be the cause of the high standard reception.

　　而已是全国政协副主席的陈元，今后不再仅仅是中国最重要的银行家，必将带着总资产相当于世界银行3倍的国开行，带着方兴未艾的开发性金融，行得更远。

It is the Chinese people's political consultative conference vice chairman Chen yuan,Not only is China's most important banker in the future,Will take 3 times total assets equal to the world bank of CDB,With the beginning of the development finance,Line of further.