区域金融中心的现实和梦想

如今,济南区域金融中心的轮廓越来越明晰.

2009年5月,在山东省内城商行联合成立“齐鲁银行”无疾而终后,具有代表意义的齐鲁银行最终花落济南商行.外界认为,名称的变化或意味着济南在打造区域金融中心建设上迈出了更加实质的一步,大金融轮廓愈发明显.

同样,要建区域金融中心,外资银行不能少.经过多方努力,汇丰济南分行终于开门纳客,成功地弥补了这一缺憾.2009年7月21日,汇丰银行在内地开设的第20家城市分行――汇丰济南分行正式开业,成为首家在山东省会城市济南设立分支机构的外资银行.

其实,早在2002年,山东省委、省政府就确定,将济南打造成为区域性金融中心.当一个地区或一座城市的前面被冠以“金融中心”这4个字时,它在整个经济体系中所处的位置,在人们心目中的影响力,自然也就非同一般.经过几年推动和发展,济南正一步一步向这个目标靠近.

经过几年的推动和发展,济南区域性金融中心的地位正在不断彰显.到2007年的时候,金融业已成为济南的支柱产业.2008年,金融业对济南税收的贡献排名第二.截至2009年6月末,济南全市本外币各项存款余额 6371.4 亿元,增长 24.2% ,本外币各项贷款余额 6293.3 亿元,增长 29.8%,存贷款余额及新增量都稳居全省首位.

早在2006年初,济南市就制定《金融业十一五发展规划》,明确提出将济南建设成为与区域中心城市相适应的、在全国占有重要地位的区域金融中心,基本特征可概括为“四化三力”,即达到金融机构多元化、金融业务市场化、融通资金多样化、营运手段现代化,具有较强的聚合力、辐射力和综合怎么写作能力,初步形成怎么写作山东,辐射华东、华北的金融管理中心、投融资中心、金融怎么写作中心.

2007年7月初,济南市首度召开怎么写作业发展大会,把金融业列为优先发展的行列.并发布《关于进一步促进金融业发展的意见》,推出了一系列扶持银行业发展的具体政策.

2008年4月2日,济南市再度召开怎么写作业发展工作会议,出台了《济南市2008―2010怎么写作业发展实施纲要》.依据《纲要》,到2010年,全市金融业增加值将达到260亿元,年均增长20%.

济南成为区域金融中心的优势颇多.以黄河中下游为轴线,沪宁以北、京津以南、西安以东的合围区域内,济南市相对于其他大中城市金融资源更为丰富.

与青岛、郑州、石家庄和合肥相比,存款余额平均高出700亿元,贷款余额高出1100亿元,企业获取资金的便捷程度最高,外地贷款余额的比重已经超过30%.这背后的潜台词是,金融业的极大发展使得济南对全省的经济辐射能力和金融怎么写作功能显著增强.

由此,各金融机构山东区域总部大都落户济南,并作为其拓展区域业务的基地.目前,济南初步建立起了以数量众多的各类银行、证券公司和保险公司为市场主体、行业协会为自律组织的功能齐全的金融组织体系.国家“一行三会”的区域性分支机构先后在济南设立.在全国副省级城市中,除了南京和杭州以外,济南是拥有全国性股份制商业银行最多的城市.

金融业对GDP的直接贡献度,是衡量金融产业化程度的重要指标之一.早在2007年,济南金融业增加值已经上升到济南GDP的6%.当一个行业的增加值占GDP的5%时,就是一个地区的支柱产业.显然,金融业已成为济南的支柱产业.

不仅如此,金融业对就业的拉动也非常明显.目前济南已经有4.5万左右的金融从业人员,随着更多金融机构的进入,金融从业人员总数仍然会大幅度上升.据了解,每家银行在济南设立区域总部,先期投入资金不少于1亿元人民币.看看银行和保险公司在济南的办公场所,就能感受到他们对济南经济的直接拉动力量.

随着济南辐射全省和周边的影响开始加大,济南的视野已经不再仅仅局限于周边,而是全省和环渤海经济圈.为尽快建设与之匹配的区域金融中心,济南这两年可谓“动作连连”.当然,济南能否真正成为著名的区域金融中心,我们还拭目以待.

济南成为区域金融中心的优势颇多.以黄河中下游为轴线,沪宁以北、京津以南、西安以东的合围区域内,济南市相对于其他大中城市,金融资源更为丰富.

Today, the outline for building a regional financial center in Jinan has bee increasingly clear.

As early as May, 2009, after the failure by Shandong mercial banks to jointly establish the Qilu Bank, the Qilu Bank was finally built up by Jinan Commercial Bank. It is believed that the name change may signify a step of significance for Jinan in building up a regional financial center, thus creating an increasingly clear outline for a large financial center.

At the same time, foreign investment banks are an essential ingredient for the establishment of any regional financial center. On July 21, 2009, the 20th inland city branches of the Hong Kong and Shanghai Banking Corporation Limited (HSBC)―HSBC Jinan Branch―was formally opened, enabling HSBC to bee the first foreign invested bank to open a branch in Jinan, the capital city of Shandong Province.

As early as 2002, Shandong Provincial Party Committee and Shandong People’s Government has decided to build Jinan into a regional financial center. And the position of Jinan as a regional financial center has been continuously strengthened through several years’ promotion and development. By 2007, the financial industry has bee the pillar industry of Jinan. In 2008, it ranked second in its contribution to Jinan’s tax revenue. By the end of June, 2009, the remaining balance of deposits in domestic and foreign currency has reached 637.14 billion yuan, an increase of 24.2%, and the remaining balance of loans reached 629.33 billion yuan, rising by 29.8%, which ranked first in the whole province.

At the beginning of 2006, Jinan made the 11th Five Year Development Plan for the Financial Industry which explicitly pointed out that Jinan should be built into a regional financial center of nationwide importance corresponding to its position as a regional central city. The basic features can be summarized as “four ‘-tions’ and three powers”. The “four ‘-tions’” include diversification of financial institutions, marketization of financial transaction, diversification of funds circulation and modernization of the operating methods, and the “three powers” refer to the “strong cohesion power, radiation power and prehensive service power. Thus a center for financial management, investment and fund-raising, and for financial services will be initially established by serving Shandong, radiating out into east China and north China.

At the beginning of July, 2007, Jinan held the first Conference on the Development of Service Industry during which the financial industry was listed as the first priority for development. And it also released the Opinion on further Promoting the Development of the Financial Industry and launched a series of detailed policies to support the development of the banking industry.

When the four characters “jin rong zhong xin” (financial center) are put before the name of a region or a city, the place will gain an extraordinarily influential power in people’s minds in terms of its status in the whole economic system. Jinan is ing close to this dream through several years’ drive and development.