和讯网消息 “民间资本进入金融服务领域还很难，不是说金改就可以进入，温州金改四个月来好像并没有实质性的突破。”7月31日，温州市中小企业协会会长周德文在由中欧陆家嘴(600663,股吧)国际金融研究院与浙商全国理事会联合主办的“温州金融综合改革中的法律和监管问题”研讨会上发出这样的感叹。他透露，温州的民营企业曾设想过筹备华侨银行、科技银行和中小企业银行，但先后都被领导层一一否决。

HeXunWang news “Private capital into the financial service areas also is difficult，Not to say that change to get into gold，Wenzhou gold to four months to like and no real breakthrough。”July 31,，Wenzhou small and medium-sized enterprise association ZhouDeWen in lujiazui by central Europe(600663,Shares it)The international financial research institute and the national council zheshang sponsored“Wenzhou comprehensive reform of the financial law and regulation”Seminar on making such exclamation。He revealed，Wenzhou private enterprise once thought preparation for overseas Chinese Banks、Science and technology bank and small and medium-sized enterprises bank，But one has are leadership veto。

　　而全国人大常委、财经委副主任委员吴晓灵在研讨会上指出，多发几张牌照并不是改革，改革应该有制度和经营机制的创新。上海市金融服务办公室主任方星海也认为，温州金改着力点应在为私募金融机构发展创立一条体制，促进他们更快地发展。

And the standing committee of NPC、CaiJingWei vice director of WuXiaoLing in seminar that，Multiple a few pieces of licence and not reform，Reform should have system and operating mechanism innovation。Shanghai's financial services office, a also think，Wenzhou change should be in focus for gold private financial institutions established a system development，Promote them faster development。

　周德文：民间资本进入金融服务领域还很难 ZhouDeWen：Private capital into the financial service areas also is difficult

　　“温州金改四个月以来没有实质性的突破，我可以这么说，我们地方政府做了很大努力，做了很多基础工作，但具体我们现在已经做了什么？我觉得很难讲的出来，不是谦虚，确确实实。” 温州市中小企业协会会长周德文在研讨会上开门见山地说。

“Wenzhou gold to four months since no real breakthrough，I can say so，We do a lot of effort to the local government，Do a lot of basic work，But we now have already made specific??????？I feel it very difficult to speak out，Modesty is not，indeed。” Wenzhou small and medium-sized enterprise association ZhouDeWen in the conference said come straight to the point。

　　他表示，在金改中，民间借贷登记服务中心是比较大的突破，至少是全国第一个进行民间借贷登记备案的机构，但目前，相关数据显示，民间借贷登记服务中心自开业起借出借入登记累计金额超过19亿元，成交登记备案金额超过6000万元，而这与1200亿的温州民间借贷规模相比，其成效显然尚未体现出来。

He said，Change in gold in，Folk lending registration service center is a big breakthrough，At least the first record for folk lending institutions，But now，Related data shows，Folk lending registration service center out since the start of the accumulative amount borrowed registration of more than $1.9 billion，Clinch a deal amount of registration of more than $60 million，And this and 120 billion of the wenzhou folk lending than scale，The success apparently has not been reflected。

　　“我们的企业从一开始满腔热情期待金改批下来以后能够迅速让他们摆脱水深火热的生存危机，但是现在4个月过去了他们没有感觉到对他们有什么直接的帮助，所以动力不高了。”周德文所说的似乎从温州方面传来的经济数据也可以得到一定应证。7月27日，浙江省人大公布了一份调研报告，称温州市3998家规模以上工业企业中，今年已停产企业有140家，产值同比下降有2776家，下降面达57%。

“Our enterprise from the start to change of passion of gold to be able to quickly let down after they get rid of the fiery depths of survival crisis，But now 4 months later they didn't feel like they have no direct help，So power is not high。”ZhouDeWen said from wenzhou seems to a economic data can also be should card。July 27,，Zhejiang people's congress announced a research report，Says the wenzhou city 3998 scale industrial enterprise，This year has been discontinued enterprise by 140，Output at 2776 year-on-year drop，Face down 57%。

　　周德文还透露，过去的几个月里温州民营企业曾先后想准备筹建华侨银行、科技银行和中小企业银行，但都一一被领导层否决。所以，不少温州民营企业家深感到，民间资本进入金融服务领域还很难，不是说金改就可以进入。

ZhouDeWen also revealed，The past few months wenzhou private enterprise to prepare once successively preparation overseas Chinese Banks、Science and technology bank and small and medium-sized enterprises bank，But all 11 is leadership veto。so，A lot of wenzhou private entrepreneurs to deeply，Private capital into the financial service areas also is difficult，Not to say that change to get into gold。

方星海：金改应着力于私募金融机构 Mr Fang：Gold is supposed to private financial institutions

　　上海市金融服务办公室主任方星海认为，金融改革的着力点应朝怎样为私募金融机构发展创立一条体制，以促进其更快地发展，从这个角度理解，才会收到实实在在的效果。他还指出，在小额贷款管理中主要是管理机构，人民银行、银监会予以执法，制定一定规则，主要监管还是地方政府。地方跟中央相结合，而重点放在地方，针对符合私募的金融机构或者是非私募的金融机构。

Shanghai's financial services office, a thought，Financial reform should be the starting point of private financial institutions in how to develop a system founded，In order to promote its faster development，From this Angle understanding，Will receive the solid effect。He also pointed out that，In the small loans management main is management organization，People's bank、Banking regulatory commission to law enforcement，Make certain rules，Main regulatory or local government。Combining with the central place，And focus on the place，To comply with the private financial institution or private financial institutions are。

　　持相同观点的还有全国人大常委、财经委副主任委员吴晓灵，她认为中国金融体制改革非常重要的一个方面是应该建立中央和地方双层金融监管体制。温州金融改革的重点则是为民间金融阳光化发展创造条件，正规金融按现有法规在经营机制、业务创新上着力。她还指出，在温州改革方案中有很多对于各类发牌照的机构改革的要求，她却认为，多发几张牌照不是改革，改革应该有制度和经营机制的创新。中国不缺全国的大金融性机构，中国缺守望在底层为老百姓服务的金融机构。

Have the same viewpoints and standing committee of NPC、CaiJingWei vice director of WuXiaoLing，She thinks the reform of China's financial system is very important aspect is should establish the central and local double financial regulatory structure。The emphasis of the reform of financial wenzhou is for the development of private financial sunlight creates the condition，According to the existing laws and regulations in the formal financial management system、Business innovation the strength。And she points out that，In wenzhou reform plan has a lot of all kinds of hair for the licensing of the requirements of the institutional reform，But she think，Multiple a few pieces of licence is not reform，Reform should have system and operating mechanism innovation。China is not short of the national big financial institutions，In the bottom of China for people to watch the service to financial institutions。

　　中国人民银行温州市中心支行行长蔡灵跃也在研讨会上表示，温州人投资很多产业，这样就有很多产权在全国各地。对于温州本土来说也产生后备作用，就是大量资金外流，产量转移，投资转移，而如果说产权交易市场能够做好的话，这可以带来很多在外的温州人在温州产权交易市场有一个套现，那也就是说大量的资金能够回流。回流以后再融资，再投资，再回流，再融资，如此下来对于温州的发展很有现实意义。不过，从现实实际操作来看是不尽人意的，其中一个根本原因是产权和进入市场标准化不高。

The people's bank of China wenzhou central subbranch President CaiLingYue also at the symposium said，Wenzhou people invest in many industries，So there'll be a lot of property rights in all parts of the country。It also produces for wenzhou native backup role，Is of significant capital outflows，Production transfer，Investment transfer，And if the property right trading market can make，It can bring a lot of outside the property right trading market in wenzhou has a cash，That also means a lot of money to backflow。Backflow later again the financing，Investment again，Return to，refinancing，So for the development of wenzhou down very is of practical significance。but，From the reality of the actual operation view is unsatisfactory，One of the fundamental reason is the property rights and to enter the market standardization is not high。