天美九一厂制作

尊敬的各位嘉宾，女士们、先生们：
    大家上午好！
&苍产蝉辫;&苍产蝉辫;&苍产蝉辫;很高兴能出席本次香港全球贷款市场峰会，有机会与来自全球各市场公会以及各金融机构的银行家们在一起，就全球贷款市场的情况进行沟通和交流，我们感到非常荣幸。在此我谨代表中国银行业协会向此次会议的主办方亚太贷款市场公会表示衷心的感谢，向今天与会的各位来宾致以诚挚的问候和热烈的欢迎！
&苍产蝉辫;&苍产蝉辫;&苍产蝉辫;中国银行业协会成立于2000年5月，截至2011年底，已有151家成员单位。我们的银团贷款与交易专业委员会成立于2006年成，目前已有61家成员单位，包括政策性银行、大型商业银行、股份制商业银行、城市商业银行、农村合作金融机构(农村商业银行、农村信用合作社联社)、邮政储蓄银行、外资银行中国法人机构及中央国债登记公司等。该委员会成立以来，本着“合作、发展、共赢”的宗旨，在中国的贷款市场积极推广银团贷款理念,引领成员单位共同推动银团贷款一级市场发展和二级交易市场建设。在规范银团贷款业务操作,促进同业合作,鼓励有序竞争,维护银团贷款与交易市场秩序,引导中国银团贷款与交易市场的规范健康发展等方面发挥了重要作用，为在金融危机形势下建设稳健的银团贷款市场做出了贡献。根据银团委员会成员单位统计数据，截至到2011年末，银团贷款余额已达到3.02万亿元人民币，较银团委员会成立之初的2005年银团贷款余额2337亿元人民币，增长了11.9倍，呈现出跨越式的增长态势。中国的银团贷款市场已经日趋成熟，银团贷款理念和通过银团贷款进行融资的方式已得到商业银行和越来越多借款人的接受与认可，银团贷款产物已成为银行拓展市场、服务客户的重要载体。
&苍产蝉辫;&苍产蝉辫;&苍产蝉辫;银团贷款的核心理念即合作。毫无疑问，一个行业要充满活力、不断创新、不断进步发展，不能没有竞争。竞争当然是银行业不断创新、进步、发展的动因。但与任何事物都有度有极限一样，竞争也是有度有极限的，超过一定度一定极限的竞争，比如不当竞争、恶性竞争，就可能陷入市场博弈中的“囚徒困境”，不仅导致竞争各方几败俱伤，而且导致行业、社会资源浪费。因此，把握竞争的度，规避竞争的极限，寻求竞争与合作的辩证统一，是应有之义。
&苍产蝉辫;&苍产蝉辫;&苍产蝉辫;把握竞争的度，规避竞争的极限，寻求竞争与合作的辩证统一，不仅适合一个行业、一个国家，也适合全球。这让我想起1995年欧洲委员会委托里斯本专家小组写过一本书,叫《竞争的极限——经济全球化与人类未来》。该书认为,适当有效的竞争能提高资源配置,但当竞争过度而碰到极限时,将导致一系列消极后果。因而不能简单用竞争来管理全球,而是需要一个世界性契约,用于制定共同协作政策来加强协调合作,以实现真正有效的全球调控。应该说，这是很有先见之明的。
&苍产蝉辫;&苍产蝉辫;&苍产蝉辫;本次国际金融危机发生之后,共召开了六次20国峰会,通过六次峰会,世界上绝大多数国家已经达成了一种全球共识:全球性金融危机,必须依靠全世界人民的力量、各国政府协调一致的行动共同应对。我国外交部长杨洁篪在2009年6月24日联合国“世界金融与经济危机及其对发展的影响高级别会议”上,指出实现可持续增长的责任必须由全球各国共同承担,希望各国能够本着互利共赢的伙伴精神,共商应对国际金融危机、促进全球共同发展之策,发出国际社会团结一致、精诚合作的强烈信号,进一步凝聚共识,促进合作。第63届联大主席布罗克曼也在会议上说,全球金融和经济危机正使人类处于历史上最独特的时刻,在世界各国之间相互依存度不断提高的今天,世界各国应当同舟共济,防止全球危机转变为一场社会、环境和人道主义悲剧。他同时指出应该在世界各国人民的多种文化经验和传统基础上适时建立全球化的政策和伦理,并提出了尊重、关爱、集体责任、合作等四项伦理原则。
&苍产蝉辫;&苍产蝉辫;&苍产蝉辫;全球加强协调合作的呼声愈加强烈,各国政要纷纷在重大国际会议上呼吁携手一致应对危机。这在很大程度上印证了里斯本专家小组的上述观点和主张。
&苍产蝉辫;&苍产蝉辫;&苍产蝉辫;今天的贷款市场峰会，是一个很好的交流机会，来自全球各地区和各个国家的金融专家们相聚一堂，分享市场观点，探讨发展趋势，寻求合作机会。我们欢迎更多的海外金融机构关注中国银团市场，以银团业务为合作点，加强业务合作，推动中国银团市场日趋规范与活跃，同时，我们也将引导更多的内地金融机构关注境外银团合作，以母行的境外分支机构资金、国内客户的境外子公司资金等多种形式参与境外项目，引资与投资双管齐下，为国内及国际贷款市场及经济发展提供金融支持。但愿我们通过此次峰会的交流与沟通，增进了解，增强互信，为全球银团贷款市场合作共赢开个好头。
    最后，预祝大会取得圆满成功！
    今年是中国的龙年，我谨以中国传统方式给大家拜个晚年，祝各位龙年大吉，宏图大展。
    谢谢大家！

Start a Good Beginning for Win-win Cooperation
of the Global Syndicated Loan Market
——Deputy Chairman of CBA Zaiping Yang’s Speech in the Global Loan Market Summit in Hong Kong in 2012

Ladies and Gentlemen, Good Morning！

    I’m very glad to attend this Global Loan Market Summit in Hong Kong, and we feel great honoured to have the opportunity to communicate and exchange the global loan market conditions with various market associations and bankers from many financial institutions together. On behalf of China Banking Association (CBA), I would like to express my sincere thanks for APLMA (Asia Pacific Loan Market Association), the Summit organizer, and I extend my cordial greetings and warm welcome for all guests attending this summit today.

    China Banking Association was founded in May, 2000. At the end of 2011, CBA had 151 members. Our Syndication Loan & Trading Committee was founded in 2006, it currently has 61 members, including policy banks, large commercial banks, joint-stock commercial banks, city commercial banks, rural cooperative financial institutions, postal savings banks, legal institutions of foreign banks in China, China Central Depository & Clearing Co.,Ltd. and so on. Since the founding of this committee, it is adhering to the purpose of “cooperation, development and win-win”, and active in promoting the concept of syndicated loan in Chinese loan market, leading the members to jointly promote the development of primary market and secondary market of syndicated loan. It has played an important role in standardizing syndicated loan business operations, promoting co-operation with peers, encouraging orderly competition, maintaining market order of syndicated loan & trading, guiding the healthy development of China’s syndicated loan & trading market.

    According to committee members’ statistics, at the end of 2011, syndicated loans reached RMB 3.02 trillion, an increase of 11.9 times, showing a growth by leaps and bounds, as compared to RMB 233.7 billion in 2006,when committee was newly established. China’s syndicated loan market becomes more mature, the concept of syndicated loan and financing through syndicated loan have been accepted and recognized by commercial banks and more and more borrowers, syndicated loan product has become an important carrier of expanding market and serving customers for banks.

    The core concept of syndicated loan is cooperation. There is no doubt that the industry cannot be continually dynamic, innovative, and progressive without competition. Of course, competition is the motivation of bankings’ continuous innovation, progress and development. As everything has limits, competition also has a limit, beyond a certain degree or limit of competition, such as unfair competition, vicious competition, the market may fall into the game of “Prisoner’s Dilemma”, not only causing damage to all related parties, but also leading to the waste of industrial and social resources. Therefore, to grasp the degree of competition, to avoid competition limits, to seek the dialectical unity of competition and cooperation, is the proper meaning.

    To grasp the degree of competition, to avoid competition limits, to seek the dialectical unity of competition and cooperation, which is not only applicable for an industry, a country, but also suitable for the global. It reminds me of a book called“The limits of Competition-Economic Globalization and the Future of Mankind”, which was written by the Lisbon Expert Group of European Commission in 1995. This book believed that appropriate and effective competition can increase the allocation of resources; however, excessive competition will lead to a series of negative consequences. Therefore, competition cannot be simply used to manage the world, a global contract, which formulating policies of working together, is rather needed for strengthening coordination and cooperation in order to achieve truly effective global regulation. This is very prescient!

    After this international financial crisis, there held six Summits of the G20. Through these summits, most countries have reached a global consensus: the global financial crisis must be resolved by relying on the strength of the world’s people and the concerted action by governments around the world.

    China’s Foreign Minister Jiechi Yang spoke at the United Nations’ World Financial and Economic Crisis and Its Impact on the Development High-level Conference on June 24, 2009. He proposed that the responsibility to achieve sustainable growth must be shared by the countries around the world, hoped that countries could jointly cope with the international financial crisis and facilitate common development with the spirit of win-win partnership. He then issued the strong signal about solidarity and sincere cooperation of international community, furtherly building consensus and promoting cooperation.
   
    President of the 63rd Session of UN General Assembly Brockmann also said at the conference that, global financial and economic crisis was the most unique moment in the history of mankind. Nowadays, countries around the world are increasingly interdependent, so the countries should help each other to prevent the global crisis from evolving into a social, environmental and humanitarian tragedy. He also pointed out that global policies and ethics should be timely established, based on a great variety of cultural experiences and traditions of the peoples of the world. What’s more, he put forward the four ethical principles: respect, care, collective responsibility, and cooperation.

    Global voice for strengthening coordination and cooperation has become even more strongly, national political figures have called for the same response to the crisis together at major international conferences. This largely confirms the above views and ideas of the Lisbon Expert Group.

    Today’s summit is a very good opportunity for exchanging ideas, financial experts from all countries and regions worldwide have come together to share marketing ideas, discuss trends and seek cooperation opportunities. We hope that more overseas financial institutions are interested in China’s syndicated loan market, in order to strengthen syndicated business cooperation and promote China’s syndicated market increasingly standardized and active. Meanwhile, we will direct more mainland financial institutions to be concerned about foreign syndicated cooperation, the funds of parent banks’ foreign branches, or the funds of domestic customers’ overseas subsidiaries and other forms can be involved in offshore projects. Foreign capital combined with investment, provides financial support for domestic and international loan market and economic development. We hope that communication of this summit could enhance understanding and mutual trust, so that it could start a good beginning for win-win cooperation of global syndicated loan market.

    Finally, I wish the summit a complete success!

    This year is the Dragon year in China, I would like to give my best wishes for you in Chinese traditional way, I wish you 龙年大吉，宏图大展。

    Thanks very much!