改革创新金融业 加速与国际接轨

Innovate Financial Industry, Gear to International Conventions

我国金融业与国际接轨尚有差距:管理体制尚未纳入市场导向轨道;利率价格尚未运用供求关系原则;透明度不高,法规条例不完善;人民币不能自由兑换;服务方式、手段落后;员工整体素质不高。与国际接轨应采取的改革措施:活化不良资产,迅速扩张资本规模;逐步由分业经营转向混业经营;加强金融业之间的合作;推动金融产品和服务创新;提高金融资产质量;改革人事管理制度。

For our financial industry, there still have gaps to gear to international conventions in the following aspects: no marketoriented management system; interest rate and price without the adjustment of supplyanddemand relation; less open regulations and rules; unconvertiblecurrency RMB; backward business in service; low overall qualities of staff. This paper puts forwards some measures:vitalizing bad assets to expand scopes of capital; gradually shifting business modes from specialized items to integrated ones; enhancing the cooperations among financial institutions; promoting service innovation and enriching financial products; raising the qualities of financial assets; and reforming personnel management system.