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9月4日,为期4天的“首都金融文化 节暨北京国际金融投资理财博览会”落下帷 幕,央行行长周小川在开幕式上的讲话却游 离于这次博览会的主题之外。这位银行当家 人指出: “商业银行注意力大量云集于少数 大型优质企业,会产生‘同质’现象、‘羊群 效应’。这样过于集中,对于经济发展来说 是有问题的。”“在坚持商业银行改革基本方 向的同时,也要千方百计地加强对小企业和 创新企业的贷款支持。”中小企业贷款风险 大,但商业银行不能由此而因噎废食。他认 为:“要设法两方面兼顾。” 周小川的发言引起与会者的普遍关 注。中国银监会主席刘明康目前也批评了当 前银行业“傍大款、垒大户、过独木桥”的 做法,并指出大力拓展小企业贷款服务,需 要从银行转变发展战略和加强风险管理的高 度予以认识。
On September 4, the 4-day “Capital Finance Cultural Festival and Beijing International Financial Investment and Financing Exposition” came to an end. The speech by Zhou Xiaochuan, governor of the Central Bank, at the opening ceremony has departed from the theme of this exposition. The bank’s family members pointed out: “When commercial banks focus their attention on a large number of large-scale high-quality enterprises, there will be a phenomenon of” homogeneity “and” herding effect. “Being too concentrated will be problematic for economic development.” “ While insisting on the basic direction of the reform of commercial banks, we must do everything possible to strengthen the loan support for small and innovative enterprises. ”SME loans are risky, but commercial banks can not afford to suffer from this. He said: “We must try to balance the two aspects.” Zhou Xiaochuan’s speech aroused the general concern of the participants. Liu Mingkang, chairman of the China Banking Regulatory Commission, has also criticized the current banking practice of “dodging big bucks, big builders and crossing monolithic bridges” and pointed out that efforts should be made to expand the development of small-business loans and recognize the importance of transforming development strategies and strengthening risk management.