今年我们还主动调低了赤字率，这是因为去年中国经济稳中向好，财政超收超出了预期。仅中央财政就超收了2500多亿元，我们没有用，放到今年。而且今年前两个月财政收入又达到两位数增长，我们对实现今年全年经济社会发展的主要目标和未来发展的预期是充满信心的，所以我们还会努力按这个方向持续降低赤字率。当然，调低赤字率并不意味着要改变积极财政政策的取向。我们今年的财政支出超过去年财政支出，增加的量是不小的。我们降低赤字率既是有信心的表现，也是为应对如果国际不确定因素增多、国内一些新的风险点出现而备足工具。
当然，金融领域也有一些违法违规行为或者规避监管的行为在兴风作浪。最近我们监管部门主动出手、果断处理，就是要让这些点状的风险不扩散，该戳的“脓包”还是要戳，否则也有道德风险。在处理的过程中，我们也注意保护消费者的合法权益，积累了经验。未来有类似的问题出现，我们还会坚决地处置。
Just as a proverb goes, gathering clouds may bring rain and tall trees catch the wind. I recall that at the press conference a couple of years ago, I pointed out that both the capital adequacy ratio and provision coverage ratio of Chinese commercial banks are fairly high and above international standards. Let me add here that the required reserve ratio stands at about 15 percent, which is equivalent to us having some 20 trillion yuan stashed away against risks.
This year, we have taken the initiative to cut the budget deficit to GDP ratio, supported by the sustained momentum of steady growth and higher than expected tax revenues. Last year, the central government had a surplus revenue of 250 billion yuan, and we have yet to dig into that amount of money. The first two months of this year saw a double digit increase in China's fiscal revenues. So we are confident about meeting all the major economic and social development targets this year.
Going forward, we plan to further cut the deficit ratio. But this does not mean we will change our proactive fiscal policy, for this year will see considerable increase in the fiscal spending relative to last year. Our ability to cut the deficit ratio shows our confidence in the health of our economy and is also meant to make provisions for global uncertainties and emerging risks at home.
True, some serious irregularities and evasion of regulation in the financial sector have occurred. The relevant authorities have taken resolute measures to deal with the pockets of risks to prevent them from further spreading. When a blister needs bursting, it should be burst. Otherwise, a small problem may escalate and entail moral hazards. In dealing with these cases, we have taken care to protect the lawful rights and interests of our consumers, and have gained further experience in this area. We will continue to resolutely tackle such cases should they arise in the future.
我们这次机构改革把银监会和保监会合并，也是要防止规避监管的行为发生。当然，还有一个老问题就是非法集资，政府会保持打击的力度。这里我也想说一句话，投资者千万不要听信那些非法集资者编造的“竹篮子也可以打水”的神话。
In this round of institutional reform, we have decided to merge the insurance and banking regulatory bodies to plug possible loopholes. At the same time we do face another old problem of illegal fund raising. The government will keep up the fight against such illegal activities. I would also like to advise all investors not to buy into the lies of those illegal fundraisers who'd have you believe a bamboo basket will hold a gallon of water.
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