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发表于 2007-10-15 11:52
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<span id="ctl00_ContentPlaceHolder1_lblArticleContent"> <p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 10.55pt; mso-char-indent-count: 1.0;"><strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">关于创建中国城乡统筹发展银行建议</span></strong><strong><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><br/><br/></span></strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;"> <strong style="mso-bidi-font-weight: normal;"> 一、<strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">建议背景：</span></strong></strong><strong><span style="FONT-WEIGHT: normal; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-weight: bold;">根据重庆城乡统筹发展的需要，市场需求，以笔者本人所具备的海内外金融资源，人才等情况，认为创办</span></strong></span><strong><span lang="EN-US" style="FONT-WEIGHT: normal; mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">“</span></strong><strong><span style="FONT-WEIGHT: normal; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">中国城乡统筹发展银行</span></strong><strong><span lang="EN-US" style="FONT-WEIGHT: normal; mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">”</span></strong><strong><span style="FONT-WEIGHT: normal; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">是可行的，关键是国家审批。</span></strong><strong><span lang="EN-US" style="FONT-WEIGHT: normal; mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;"><p></p></span></strong></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 10.5pt; mso-char-indent-count: 1.0;"><strong><span lang="EN-US" style="FONT-WEIGHT: normal; mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;"><p> </p></span></strong></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 20.8pt; mso-char-indent-count: 1.98;"><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">城乡统筹的实质是农村怎样融入城市化进程的道路选择问题。在二</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">00</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">七年六月的“问计求策”活动中，建言者们者不同程度地提到了形成向农村倾斜的投资机制问题。目前财政支农的比例不低，但毕竟有限，且利用分散，不能形成合力。而金融支农的潜力则很大，</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">2006</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">年全国金融机构货款余额为</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">22.5</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">万亿元，其中农业货款</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">1.32</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">万亿元，仅占</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">5.86%</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">，而去年农业增加值占</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">GDP</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">的比重为</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">11.8%</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;">，金融投入的效率是比较高的。但现行的金融机构及业务品种，均没有向农业倾斜的制度保障，所以，必须跳出现有金融体系的框架来思考农村金融支持问题。</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt; mso-bidi-font-weight: bold;"><br/></span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><br/></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;"> <strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';"> 二、建议提要：</span><span lang="EN-US"><p></p></span></strong></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 20.85pt; mso-char-indent-count: 1.98;"><strong><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><p> </p></span></strong></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 20.85pt; mso-char-indent-count: 1.98;"><strong><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">1</span></strong><strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">、目前还没有为统筹城乡发展服务的专门银行，统筹城乡发展领域存在金融空白点，</span></strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">特别是解决统筹城乡土地流转的金融支持、高技术产业中无形资产融资、创意产业金融支持、农村农民和城镇居民个体创业和中小企业、微型企业资本支持，重庆银行、万州商业银行、信用合作社因主要服务于国企及****主导的十大投资集团等自身体制原因，适应城乡统筹地方金融需求特点的金融机构也不能构成一个政策期望的金融体系，很难支撑重庆统筹城乡发展这一重大历史使命，国有商业银行和股份制商业银行在重庆分支机构金融创新受制于总行，为规避金融风险</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">“</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">嫌贫爱富</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">”</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">，对城乡统筹支持力度有限。</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><br/><br/></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;"> </span></p> <font face="宋体"><strong><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">2</span></strong><strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">、从统筹城乡金融资源的角度上看，尽快建立</span></strong><strong><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">“</span></strong><strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">市场与****扶持相结合的区域金融资源配置体系</span></strong><strong><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">”</span></strong><strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">将成为重庆城乡统筹改革的推动力，</span></strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">制度创新、金融创新是重庆统筹城乡综合配套改革关键和突破口，优化重庆金融生态，借鉴国内外先进的金融理念，解决东西部、城乡金融资源失衡问题。借鉴孟加拉银行家穆罕默德</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">·</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">尤努斯创立的格莱珉银行的金融理念，结合中国国情，创造出适合城乡统筹的金融机构</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">——</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">中国城乡统筹发展银行。</span></font><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><br/><br/></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;"> <strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';"> </span><span lang="EN-US">3</span></strong><strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">、创办中国城乡统筹发展银行的资本金来源和股份设置</span></strong></span><strong><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><br/></span></strong><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><br/></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;"><p></p> 设立中国城乡统筹发展银行必须符合《中华人民共和国公司法》《中华人民共和国商业银行法》规定的各项要求，如设立商业银行的注册资本最低限额为</span><font face="宋体"><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">10</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">亿元人民币，股份设置：重庆市****占</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">50%</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">；重庆银行</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">10%</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">，重庆企业界</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">15%</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">，外资金融机构占</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">25%</span></font><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">。<strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">中国城乡统筹发展银行的资本金不成问题。</span></strong>外地金融机构和企业也有强烈意向参与，注册资本可以增大。</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><br/><br/><font face="宋体"> <strong><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">4</span></strong></font><strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">、邀请香港证监会前主<personname wst="on" productid="席沈联涛">席沈联涛</personname>先生等国际金融界专家出任中国城乡统筹发展银行顾问，创办金融学院，为金融业发展提供人才支撑。</span></strong><strong><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><br/></span></strong><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><br/></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;"> <strong style="mso-bidi-font-weight: normal;"> 三、建议内容</strong></span><strong style="mso-bidi-font-weight: normal;"><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><p></p></span></strong><font face="宋体">
</font><p></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 20.8pt; mso-char-indent-count: 1.98;"><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><p> </p></span></p><p class="MsoNormal" style="MARGIN: 0cm 0cm 0pt; TEXT-INDENT: 20.85pt; mso-char-indent-count: 1.98;"><strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">（一）、中国城乡统筹发展银行的功能定位设想</span></strong><strong><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><br/><br/></span></strong><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;"><p> 中国城乡统筹发展是一项政策性、创新性很强的伟大工程，离不开****金融政策的支持。金融是现代经济的核心，城乡统筹发展，金融要先行。金融业对城乡统筹、产业的发展、产业结构的调整乃至区域经济发展都发挥了其作为资本聚散纽带的资金配置职能<font face="宋体"><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">,</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">同时提供了资金与效率的支持。国家对西部城乡统筹发展金融倾斜政策是必要的，对重庆将会造就的一个发展充分、运作高效的金融产业，对带动区域经济发展是非常重要的。创办中国城乡统筹发展银行将会成为城乡统筹发展最大的亮点之一。</span></font><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><br/><font face="宋体"> </font></span></p></span></p><p> 中国城乡统筹发展是一项政策性、创新性很强的伟大工程，离不开****金融政策的支持。金融是现代经济的核心，城乡统筹发展，金融要先行。金融业对城乡统筹、产业的发展、产业结构的调整乃至区域经济发展都发挥了其作为资本聚散纽带的资金配置职能<font face="宋体"><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">,</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">同时提供了资金与效率的支持。国家对西部城乡统筹发展金融倾斜政策是必要的，对重庆将会造就的一个发展充分、运作高效的金融产业，对带动区域经济发展是非常重要的。创办中国城乡统筹发展银行将会成为城乡统筹发展最大的亮点之一。</span></font><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><br/><font face="宋体"> </font></span></p><p><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><font face="宋体">建议人：蔡律（统筹执笔）、甘强、齐飞。</font><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><br/><br/></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;"> 电邮：</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;"><a href="mailto:cailu1966@126.com" target="_blank"><font face="宋体" color="#000000">cailu1966@126.com</font></a><br/><br/>相关信息：<a href="http://cailv.bokee.com/">cailv.bokee.com</a></span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;"><p></p> </span><chsdate wst="on" year="2007" month="10" day="8" islunardate="False" isrocdate="False"><font face="宋体"><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">2007</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">年</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">10</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">月</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">8</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">日</span></font></chsdate></span></p><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;"><p></p> </span><chsdate wst="on" year="2007" month="10" day="8" islunardate="False" isrocdate="False"><font face="宋体"><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">2007</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">年</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">10</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">月</span><span lang="EN-US" style="mso-bidi-font-size: 10.5pt;">8</span><span style="FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman'; mso-bidi-font-size: 10.5pt;">日</span></font></chsdate></span></span> |
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