The integration of Zhengzhou and Bian has been officially launched, and the finances of the two cities will be inseparable next year.

Last month, the long-awaited good news came from Zhengzhou. The Provincial Government Office issued the "Notice on Accelerating the Promotion of Zhengzhou-Bian Financial City" (hereinafter referred to as the Notice), striving to From January 1 next year, the Zhengzhou-Bian Financial City will be officially implemented to establish a unified, convenient, fast, safe and efficient financial service system covering Zhengzhou and Bian, and realize the charging system, information system and clearing system of banking financial institutions in the two places. Docking, serving consumers in both places without distinction, and better promoting the integrated economic and social development of Zhengbian. Finance is the lifeblood and core of the modern economy, so what does it mean to be in the same financial city? What impact will it have on the integrated development of Zhengzhou and Bianzhou? What changes will it bring to the development of Kaifeng and the lives of ordinary people? In the past few days, reporters have interviewed heads of relevant departments such as the Municipal Development and Reform Commission, the Kaifeng Central Branch of the People's Bank of China, and relevant experts and scholars to conduct in-depth interpretation and analysis.

Citizen Wang Yu went to the Kaifeng Pingguoyuan Branch of the Agricultural Bank of China to remit 500 yuan to a friend in Zhengzhou. After inquiry, he learned that a 0.5% handling fee (remittance fee for funds transferred from other places) needs to be deducted, *** Total 2.5 yuan. Wang Yu didn't have any extra money with him, and he didn't want to deduct 2.5 yuan from the 500 yuan, so he had to go home to get the money. He said: "Although the handling fee of 2.5 yuan is not much, it sometimes brings inconvenience to people's lives. It would be great if Zhengzhou and Kaifeng could be in the same city, so that this handling fee can be saved." Wang Yu's words expressed the aspirations of many citizens in our city. With the development of Zhengzhou-Bian integration, the exchanges between citizens of Kaifeng and Zhengzhou have become more and more frequent. Achieving financial integration in the same city and reducing the cost of capital flows between the two places has become the voice of many people.

What Wang Yu did not expect was that his wish might come true on January 1 next year. On September 18, the General Office of the Provincial Government issued the "Notice on Accelerating the Promotion of Zheng-Bian Financial City", striving to formally implement Zheng-Bian Financial City from January 1 next year, which includes intra-city fund transfers, that is, banks Financial institutions in the industry regard intra-bank fund transfers between Zhengzhou and Bian as intra-city business within the bank, and no longer charge fees for cross-regional fund transfers; the fees for cross-bank fund transfers between the two places are reduced, with single transactions of less than 50,000 yuan (inclusive) No more fund transfer fees will be charged.

In addition, the financial city of Zhengzhou and Bian also includes: bank card and passbook business in the same city. Passbooks, certificates of deposit (both fixed-term and fixed-term deposits), and bank debit card business between the two places are regarded as intra-bank intra-city business, and no business fees for other places will be charged; inter-bank debit card business between two places is regarded as inter-bank, same-city business, and only Inter-bank business fees will be charged, and non-local business fees will no longer be charged. Bill business in the same city. Promote all banking financial institutions in Kaifeng City to join the large-amount payment system, small-amount payment system, check image exchange system, and Zhengzhou intra-city bill exchange system, so that bank bills such as transfer checks can be used in the same city in Zhengzhou and Kaifeng. Branches in the same city. Banking financial institutions (except rural banks) will be allowed to set up branches in Zhengzhou and Kaifeng in the same city.

According to the requirements of the notice, the Financial Office of the Provincial Government will take the lead and, together with the Zhengzhou Central Branch of the People’s Bank of China, the Henan Banking Regulatory Bureau, the Zhengzhou Municipal Government, the Kaifeng Municipal Government and various banking financial institutions, will establish a Zheng-Bian Financial Integrated City Work Promotion Group , is responsible for researching, supervising and promoting the work of Zheng-Bian Financial City. He will fully complete all preparatory work before the end of December this year and strive to officially implement Zheng-Bian Financial City from January 1 next year.

Zheng-Bian Financial City will bring convenience to citizens in both places

Financial City is to manage and operate financial institutions in the city circle as financial institutions in one city, establishing a network covering banks in various places A unified, convenient, fast and efficient service system. It is understood that the integration of Zhengbian Finance into the city will effectively reduce the cost of capital flow for Kaifeng enterprises and people, speed up capital flow, facilitate capital exchanges and payments, and create good conditions for economic and social development.

“It’s great. After Zhengzhou and Bian Finance are in the same city, you won’t be charged for transfers from Zhengzhou to Kaifeng through online banking, which can save a lot of expenses.” It was learned that January 1 next year Shi Feng was very happy to hear the good news that Zheng-Bian Financial City is expected to be integrated into the city. Shi Feng, 32, works in Zhengzhou and bought a new house in Kaifeng with a mortgage. At first, when he was repaying his mortgage every month, he would first queue up to withdraw money at a bank in Zhengzhou, and then queue up to deposit money in Kaifeng, which was very laborious. Later, he transferred money through online banking, but after a few months, he paid hundreds of yuan more in transfer fees, which made him very distressed. Shi Feng said that he is looking forward to the day when Zhengbian Financial City will come as soon as possible on January 1 next year.

“Kaifeng is so close to Zhengzhou. Kaifeng has many tourist attractions and famous snacks throughout the country. Zhengzhou citizens inevitably come to Kaifeng for entertainment and consumption. When they run out of money, they inevitably have to go to the bank to withdraw cash or If you use a card to make a purchase, you will inevitably be charged a business fee from another place.” On September 21, Jia Zhigang, vice president of the Provincial Hotel Industry Chamber of Commerce and president of the Municipal Catering Chamber of Commerce, said in an interview with reporters that after Zhengbian realizes financial integration in the city, the two places will no longer charge cross-region business fees. Business expenses have greatly facilitated Zhengzhou citizens' consumption in Kaifeng. I believe it will definitely attract more Zhengzhou people to Kaifeng for tourism and entertainment, and will definitely drive the rapid development of Kaifeng's tourism, catering and other industries.

“The Zheng-Bian Financial City is a major initiative that the citizens of Zheng-Bian and the majority of industrial and commercial people have long awaited.

"Zhu Taizhong, Chairman of the Municipal Federation of Industry and Commerce and Chairman of the Board of Directors of Henan Xinlong Group, said that Zhengzhou and Bian are geographically close, have highly complementary industrial structures, and have frequent economic and trade exchanges. The financial policies and financial supervision of the two places will be seamlessly connected in the same financial city. It will greatly simplify financial transaction procedures, save financial transaction costs, effectively promote the integration of resources between the two cities, and promote the rational layout of enterprises. Kaifeng will also take advantage of Zhengzhou's development as a regional financial center city and take advantage of the provincial capital's financial activity. We will further solve the problem of difficult and expensive financing for small and micro enterprises, and make full use of the price and cost advantages of production factors such as land, manpower, and raw materials in Kaifeng to achieve leapfrog development. He hopes that the financial departments of Zhengzhou and Bianzhou will speed up the construction of supporting service facilities. Establish a unified and coordinated financial service system, carry out business docking in an orderly manner in accordance with the Zhengbian Financial City Development Plan, promote the flow of funds, give full play to the strong supporting role of finance in the construction of Zhengbian New District, and realize the role of Zhengbian New District in the construction of the Central Plains Economic Zone Leading and driving role.

The road to Zheng-Bian financial city

On April 17, 2005, Zheng-Bian integration rose from the private sector to the government level and was officially proposed for the first time. With the launch of the Zhengzhou-Bian integration, the telecommunications department timely launched telecom intra-city preferential packages, and the tourism department also took notice...

In June 2006, at the Zheng-Bian integration symposium held in Kaifeng, someone proposed Suggestions from Zhengbian Financial City. This proposal mainly involves three aspects: First, establish an inter-bank fund clearing system covering all banks in Zhengzhou and Kaifeng, so that payments and settlements among banks can be integrated in the city. , Zheng and Bian jointly issue loan certificates to enterprises that are common in both cities. All financial institutions in the two cities lend money in the same city, sharing loan resources and loan information. The third is to achieve personal financial integration, and residents save in Zheng and Bian cities. Universal deposits and withdrawals, and handling fees for deposits and withdrawals in other places are cancelled. On December 18, 2006, Zhengzhou Commercial Bank and Kaifeng Commercial Bank jointly held the launch ceremony of the "Co-branded Century Card" for residents of the two cities. , enterprises holding the "Co-branded Century Card" bank card can withdraw cash at the business outlets of Zhengzhou Commercial Bank and Kaifeng Commercial Bank without paying any handling fees, breaking the original bank card model of charging handling fees for cash withdrawals in other places, and creating a new way for the two banks. It provides convenience for the economic exchanges of residents and enterprises in the city. This marks that Zhengbian Financial City has made substantial progress.

On October 7, 2011, the State Council issued the "State Council's Notice on Supporting Henan Province in Accelerating the Construction of the Central Plains Economic Zone." The "Guiding Opinions" were officially announced and clearly stated: "Support Zhengbian New District to accelerate the development and build an inland development and opening up highland...promote the sharing of education, medical and information resources, realize telecommunications and finance in the same city, and accelerate the integration process of Zhengbian. "After the promulgation of this opinion, the municipal government organized relevant experts from various financial institutions and colleges and universities in the city to conduct a careful study on the development plan and goals of Zheng-Bian Financial City, and initially determined the short-term, medium-term and long-term goals for the development of Zheng-Bian Financial City. . The working ideas and goals of Zheng-Bian financial city development have gradually become clear.

In the 2012 "Government Work Report", Governor Guo Gengmao requested: "Actively promote the integrated development of Zheng-Bian urban area and Zheng-Bian." , realize communication, financial city and resource sharing as soon as possible. "On the afternoon of February 29 this year, the Provincial Development and Reform Commission, the Zhengzhou Municipal Government and the Kaifeng Municipal Government held a tripartite agreement on Zhengzhou-Bianji integration in Bian. The meeting studied the key tasks of Zhengzhou-Bianji integration in 2012, "to serve the same city" With the goal of deepening the integration of telecommunications, finance, and public transportation in the city, and promoting the functional docking of Zhengzhou and Bian cities, "it has become the key task of the integration of Zheng and Bian in 2012.

The financial city of Zheng and Bian promotes the development of Kaifeng

< p> "Zheng-Bian Financial City is an inevitable product of the integrated development of Zheng-Bian economy. Through the city-wide integration of banking deposits, loans, remittances and other basic businesses, it speeds up the flow of funds between the two cities, reduces flow costs, activates the capital market, and serves the real economy. Prosperous economic development. "On September 24, Wang Xiao, deputy president of the Kaifeng Central Branch of the People's Bank of China, said in an interview with reporters.

Wang Xiao said that from the development of the financial industry in Zhengzhou and Kaifeng Judging from the situation, there is a relatively large gap in both the total size of the financial market and the position of each bank in the system. At present, almost all national Chinese financial institutions have branches in Zhengzhou, and these branches. The operating level of most of the institutions is among the best in the country. Except for Shanghai Pudong Development Bank and Bank of Communications, there are no other national joint-stock commercial banks in Kaifeng. Relatively speaking, Kaifeng's financial institutions are in terms of development level, market awareness, and financial resources. The configuration and layout need to be further improved, and the financial development speed is also significantly lower than that of Zhengzhou. The above factors have restricted the rapid development of Kaifeng's economy. Zhengbian Financial City will change this situation and accelerate the transformation of the city's financial business. , structural adjustment and improvement of profitability, accelerating the construction of the financial ecological environment, accelerating capital injection, and accelerating the economic and social development of Kaifeng.

In addition, Zheng-Bian Financial City is conducive to promoting financial capital and other production factors. The agglomeration and effective allocation in Kaifeng will maximize the demand for financial services for economic development and will also help increase Kaifeng's fiscal revenue.

According to statistics, the business tax of financial institutions in our city currently accounts for 1/5 of the city's business tax. If Kaifeng can attract more national financial institutions to set up provincial branches or even headquarters in Kaifeng, the financial industry's contribution to Kaifeng's fiscal and tax revenue will definitely be There will be a significant improvement.

“The development of the financial industry is one of the important signs of a city’s modernization. If the development of a city’s financial services industry lags behind, it is difficult to imagine that it will become a modern city. The improvement of the financial system is important for strengthening resources Reform and development in various aspects such as market allocation, accelerating the reform and growth of market entities, accelerating the optimization and upgrading of industrial structure, and forming and strengthening innovation bases and systems are all of great significance," said Sun Jianguo, professor and doctoral supervisor at the School of Economics at Henan University. Zheng-Bian Financial City will accelerate capital turnover, and the flow of capital elements between the two cities will become very fast and smooth, improving the efficiency of capital use, which is beneficial to the economic and social development of the two cities. However, because the two cities of Zhengzhou and Kaifeng currently have slightly different statuses in urban area construction, the impact of the same financial city on the two cities will also be different. Generally speaking, capital factors will flow to financial centers with good financial environments. Zhengzhou's relatively high degree of primacy is in a very favorable position in absorbing capital factors, while Kaifeng is in a disadvantageous position in the flow of capital factors. But this is only temporary. With the rapid development of Zheng-Bian urban construction, Kaifeng, as an important part of the Zheng-Bian integration core area, will greatly improve the current unfavorable situation. Kaifeng can take advantage of the financial city's opportunity to better improve the capital market, improve the city's investment environment, attract more financing institutions, provide strong financial support for the development of various enterprises, and become a driving force for Kaifeng's economic and social development.

Sun Jianguo said that the industrialization development of Zheng-Bian is still in the mid-term stage. The scale of funds required for the integrated industrial development of Zheng-Bian is relatively large, but the capital supply capacity is limited, and self-hematopoietic capabilities must be improved. rather than relying mainly on foreign investment. Zhengzhou and Bianzhou should make full use of finance, strengthen the construction of capital supply capacity, strengthen the construction of credit information and credit guarantee-related platforms, promote financial institutions to expand credit investment in small and medium-sized enterprises, and truly allow financial cities to promote comprehensive economic and social development.

“The docking of charging systems, information systems, and clearing systems of banking financial institutions in the two places is just an improvement in some financial market tools and market operations.” Sun Jianguo believes that the next step should focus on strengthening the construction of branches in the same city. , set up branches in the two cities of Zhengzhou and Kaifeng in the same city. More importantly, we must do a good job in financial system reform and financial innovation, give full play to the positive role of local financial resources, further promote the reform of local banking institutions, support the joint development of Zhengbian local banks, and make them become the central bank of Zhengbian metropolitan area, vigorously Build a professional financing bank that promotes the integrated development of Zheng-Bian industry. We should also focus on cultivating multi-level financing channels to form a synergy to support the development of Zheng-Bian urban area, cultivate and develop multi-level financial markets including insurance, bonds, stocks, futures, derivatives, etc., expand direct financing channels, and improve Zheng-Bian city Metro area financing structures. In addition, Zheng-Bian Financial City should also pay attention to the regulation and alliance of credit cooperatives, trust investment companies, etc., which are important components of diversified financial market entities.

Zhengbian Financial City accelerates the integration process of Zhengbian

“If the opening of Zhengkai Avenue is a substantial progress in the infrastructure construction of Zhengbian integration, then Zhengbian The financial city is a breakthrough at the institutional level and will further deepen the integration of Zhengzhou and Bianzhou," Zhang Daxi, deputy director of the Municipal Development and Reform Commission, said in an interview with reporters.

In 2005, the Provincial Party Committee and the Provincial Government made major arrangements to implement the construction of the Central Plains urban agglomeration and take the lead in promoting the integrated development of Zhengzhou and Biannan. In December of the same year, the construction of Zhengkai Avenue started, marking the formal implementation stage of Zhengzhou-Bian integration. Over the past six years since the Zhengzhou-Bian integration was implemented, Kaifeng City has persisted in being proactive, making overall arrangements, coordinating promotion, and developing together, strengthened communication and connection with Zhengzhou in terms of urban functional layout, infrastructure construction, and industrial development, and completed relevant Administrative divisions have been adjusted, and the "Zhengbian Industrial Belt Master Plan" and "Zhengkai Avenue Area Landscape Plan" have been compiled and completed. The construction of major channels such as Zhengbian Logistics Channel has been accelerated, postal and telecommunications cooperation has been strengthened, and financial services have been promoted. , expand business cooperation and exchanges, accelerate the joint development of tourism resources, achieve mutual recognition of agricultural product testing, promote cooperation in labor and social security undertakings, and have made great progress in the integration of Zhengzhou and Biannan.

“Whether it is road construction or planning completion, it all involves hardware construction in the field of infrastructure, and rarely touches on the docking at the institutional level. It can be said that no substantial breakthroughs and breakthroughs have been made at the institutional level. Zheng-Bian Financial City is the first to achieve a breakthrough at the institutional level, which will accelerate the process of Zheng-Bian integration and is of great significance to the further development of Zheng-Bian integration," Zhang Daxi said.

Looking forward to the realization of "five same cities, one *** enjoyment" between the two places as soon as possible

The financial city is about to be realized, and people are looking forward to the two places as soon as possible to achieve "five same cities, one *** enjoyment" "(telecommunications city, finance city, transportation city, industry city, ecological city and resource sharing) goals, hoping to enjoy more benefits and conveniences brought by the same city.

During the National “Two Sessions” this year, Song Fengqiang, a member of the National Committee of the Chinese People’s Political Consultative Conference in Henan, submitted a proposal to “implement Zhengzhou and Kaifeng Telecommunications in the same city” and suggested that relevant national departments implement the “State Council’s Notice on Supporting Henan Province in Accelerating the Construction of Central Plains” as soon as possible. "Guiding Opinions of the Economic Zone", speed up the implementation of Zhengzhou-Bian Telecommunications Integration City, and realize the unified use of the 0371 area code in Zhengzhou and Kaifeng. Song Fengqiang believes that as two important cities in the Central Plains urban agglomeration, Zhengzhou and Kaifeng have strong industrial complementarity and high comprehensive development correlation. The integration of Zhengzhou and Kaifeng Telecom into the same city is one of the important contents of the construction of the Central Plains Economic Zone. After Zhengzhou and Kaifeng Telecom are integrated into the same city, it will promote the exchange and sharing of information between the two cities and effectively promote the integration process of Zhengzhou and Bian.

At this year's "Two Sessions" in Henan, a Kaifeng CPPCC member proposed that to speed up the integration process of Zhengzhou and Biannan, priority should be given to promoting "five cities and one city". He believes that the current breakthrough for Zhengzhou-Bian integration is to prioritize the promotion of "five cities and one city", actively promote the docking of culture, education, health, sports, science and technology, social management and infrastructure, and promote the integration of resources. Enjoy.

Many people in the industry also suggested that Zheng and Bian cities should establish and improve coordination working mechanisms, sign a cooperation agreement to accelerate the integrated development of Zheng and Bian as soon as possible, and sincerely unite and cooperate closely to accelerate the development of the financial city. At the same time, further develop the telecommunications city, comprehensively launch deeper industrial docking, jointly promote the rapid development of Zhengzhou-Bian integration, and make greater contributions to the construction of the Central Plains Economic Zone and the revitalization of Henan!