10月14日-16日,我赴法国参加了国际银行业联合会(IBFed)第36次董事会会议。会上, 各参会代表纷纷就其关心的热点问题进行了充分交流与讨论，包括金融改革、金融监管及普惠金融等内容。现将我几次发言要点（中英文）提供给博友分享。

关于金融稳健与金融改革矛盾的协调平衡

中文：当今中国提出进一步改革以释放“改革红利”，金融改革是重点。金融改革又以利率市场化、进出更自由、竞争更充分为取向，这些又与金融稳健存在一定矛盾。如何平衡金融稳健与金融改革之间的矛盾，是我们面临的重大课题。在此，我呼吁董事会密切关注此问题。

英文：Nowadays further economic reform has become increasingly necessary in China, so as to release reform dividend, in particularly financial reform. To my understanding, financial reform, including interest rate liberalization, free flow of funds and full competition, is to some degree contradicted with financial stability. How to balance the relationship between financial stability and financial reform, is a critical problem to China. I hope the Board should attach great importance to this specific problem.

关于增进监管机构与金融机构之间的对话与良性互动

中文：金融监管机构往往比金融机构更重视全面风险控制。中国有一句古诗，“不识庐山真面目，只缘身在此山中”，金融机构或因身处“此山中”，而对宏观、系统性风险不够敏感。但监管机构又不完全掌握金融机构具体信息，存在信息不完全、不对称的问题。

因此，我建议IBFed从国际层面积极组织监管机构与金融机构之间的对话、沟通，增进了解，形成良性互动。在中国，我们曾多次组织监管机构和金融机构进行对话，深入沟通，事实证明成效显著，得到双方一致好评。

英文：Regarding financial regulation, financial regulatory bodies focus more on aggregate risk control than financial institutions. As a famous Chinese poem goes, “The true face of Mountain Lushan is lost to your sight, for it is right in this mountain that you reside”. Financial institutions reside in the mountain and therefore cannot see the whole picture of macro and systematic risk. Meanwhile,  financial regulatory bodies couldn’t grasp detailed information about financial institutions, resulting in information inadequacy and asymmetry.
Therefore, I suggest the Board organize dialogues between financial regulatory bodies and financial institutions, at the international level, facilitating good interaction between the two sides. In China, we have organized many similar dialogues, which have been very successful, useful and welcomed.

关于普惠金融

中文：普惠金融是全球发展方向，也是世界性重要课题。为弱势消费者群体提供金融服务及产品并不容易，需要政府政策支持、金融机构自身努力及消费者配合。后者又需要加强消费者金融教育。

我们在中国曾做过调查，结果令人惊讶，一些新创立企业的老板甚至不知道可以从银行贷款，可见加强消费者金融教育的必要性。

此外，互联网金融通过技术手段，极大地降低了金融服务及产品成本，使金融机构更易服务弱势消费者群体，对于金融普惠具有革命性创新意义。

最后，就南非银行业协会增设“新兴市场国家委员会”的提议，杨会长表示支持，并建议董事会应考虑增加新兴市场国家在IBFed中的会员数量。

英文：Financial inclusion has been a global trend and also a critical international issue. It’s not easy to improve the availability of financial services and products to disadvantaged and other vulnerable groups. Firstly, policy support from governments and regulatory bodies is very important. Secondly, financial institutions should make efforts themselves. Besides, financial consumers should improve their understanding of finance.
We have launched a survey in China. To our surprise, some small start-up entrepreneurs didn’t even know they could apply for loans from banks. Hence it’s very essential to strengthen consumer financial education.
In addition，internet finance is a revolutionary innovation of financial inclusion, enormously reducing costs of financial services and products via technologies and thus allowing financial service and products more available to the vulnerable groups of consumers.