本报记者 梁为 发自广东东莞

Our reporter for from guangdong dongguan beam

　　7月25日，《广东省建设珠江三角洲金融改革创新综合试验区总体方案》（下称《方案》）获得国务院批准，这被视为珠三角金改大幕将启。

July 25,，《The pearl river delta of guangdong province construction financial reform and innovation comprehensive experimental district overall scheme》（Said the《scheme》）Obtain the approval of the state council，This is considered as the pearl river delta to curtain will and gold。

　　方案中提到，“逐步深化粤台金融合作，在东莞开展金融合作试点”。

Scheme mentioned，“Guangdong-taiwan gradually deepened financial cooperation，In the dongguan carry out pilot financial cooperation”。

　　这两年来，粤台金融合作屡次被提起，并随着台资企业在粤经济现状变得日益急迫。

The two years，Guangdong-taiwan financial cooperation is often mentioned，And with the taiwan-owned enterprise in guangdong economic situation becomes more and more urgent。

　　相关分析称，随着大陆工资与原材料成本的增长，人口红利、土地红利的消失，企业在转型升级的要求下，遭遇融资困难，许多中小台资企业缩小规模，甚至准备关厂撤离。而粤台金融合作的试点，或许有助于挽留东莞台商。

Related analysis says，As wages and raw material costs growth，Demographic dividend、Land of dividends disappear，Enterprise in the request of the transformation and upgrade，Financing difficulties encountered，Many small and medium-sized taiwan-owned enterprise downsizing，Even ready to close factory evacuated。And guangdong-taiwan financial cooperation of experiments，May help keep the dongguan Taiwan。

　　东莞市台商投资企业协会秘书长赵维南说：“很多台商已经在东莞立足多年，创下了基业，不会轻易离开，他们会顺应潮流，对企业经营方向作出调整，转型升级。”

Following enterprise association secretary-general ZhaoWeiNa said：“Many Taiwanese has in the dongguan based on for many years，A base industry，Won't easily leave，They will conform to the trend，Enterprise business direction to make adjustments，Transformation and upgrading of。”

　　在莞台企融资难 Enterprise financing in Taiwan enterprises

　　7月29日，在东莞市石龙镇国道旁的一家电子厂里，台商陈明台愁眉紧锁。他急需融资购置一批线切割机。

July 29,，In the following enterprise town of national highway an electronics factory，Taiwanese ChenMingTai frown。He desperately needs to purchase a batch of five-axis wedm machine for financing。

　　他说：“我们台商在这里没有土地抵押，厂房也是租的，很难从这里的银行贷款。”

He said：“We here in Taiwan have no land mortgage，Plant is also hired，It is difficult to bank loans from here。”

　　而在过去的一周里，他最终联系上了一家具有台资背景的融资租赁公司。这批线切割机总价为147万元，首付47万元后，需每月分期偿付4.9万元，两年还款期结束，这批线切割机将过户到他的电子厂。

And in the past week，He finally made contact with a background of Taiwan lease financing company。This batch of line cutting machine, amounting to $1.47 million，Down 470000 yuan，Need to pay 49000 yuan monthly installments，Two years over insults，This batch of line cutting machine will transfer ownership to his enterprise。

　　“月费率不低，但能以这种方式买到这批线切割机，已经很幸运。”

“Month rate not low，But in this way will buy this batch of line cutting machine，Already very lucky。”

　　东莞市是全国台资企业最为集中的城市。据东莞市台湾事务局2011年统计数据，在东莞运作且在政府部门注册的台资企业共有4100家，总合同利用外资160亿美元，实际利用外资143亿美元；在这4100家外资企业中，九成以上为中小企业。

Following is the most concentrated taiwan-owned enterprise of the city。According to the following Taiwan affairs 2011 statistical data，In the dongguan operation and in government departments of the registered taiwan-owned enterprise has 4100，The total contract use of foreign capital of $16 billion，The actual use of foreign capital 14.3 billion dollars；In this 4100 home in foreign capital enterprise，More than ninety percent of small and medium-sized enterprises。

　　东莞市中小企业局的统计数据显示，东莞市融资租赁市场规模约为60亿元，但当前东莞每年实际交易额不足5000万元。

Following small and medium-sized enterprise statistics show，Following a financing lease market scale is about 6 billion yuan，But the actual volume dongguan every year is below 50 million yuan。

　　如今活跃在东莞的融资租赁公司不超过10家，包括远东国际租赁、日资欧力士（ORIX）和仲利等“海派”融资租赁公司；其中，邑富与东联为台资背景。

Now active in the dongguan the financing lease company is not more than 10，Including the far east international leasing、Japanese orix（ORIX）And ZhongLi etc“Shanghai”Lease financing company；Among them，Cities have rich and DongLian for taiwan-owned background。

　　7月30日，在东莞会展酒店大堂，东莞市台商投资企业协会会长谢庆源对时代周报说：“现在台企融资很困难。在东莞的台资企业‘两头在外’，无论是向大陆银行还是台湾银行贷款都很难。眼下经济形势不好，订单减少、业绩下滑，即便获得了贷款的企业，其授信额也会被降低。”

July 30,，Dongguan exhibition in the hotel lobby，Following enterprise association XieQingYuan to age weekly said：“Now Taiwan enterprises financing is very difficult。In the dongguan of taiwan-owned enterprise‘Two head out’，Whether to the mainland Banks or Taiwan bank loans are very difficult。The economic situation is not good，Orders fell、Performance decline，Even if the loan for the enterprise，The credit amount will be reduced。”

　　台商谢庆源来粤已经20多年，他在东莞有一家钢材公司、一家医院和两所学校，他大部分时间都在大陆。

XieQingYuan Taiwanese businessmen to guangdong has more than 20 years，He in the dongguan have a steel company、A hospital and two schools，Most of his time in the mainland。

　　谢所说的台资企业“两头在外”是指，很多台企总部在台湾，销售下游在国际市场，东莞只承担加工贸易部分，大陆银行对这些中小台企不了解，不敢轻易放贷；而台湾银行对台企在东莞的经营状况也不了解，同样不敢轻易放贷。

Xie said taiwan-owned enterprise“Two head out”Refers to，Many Taiwan enterprises headquarters in Taiwan，Downstream sales in the international market，The dongguan assume only part of the processing trade，These small and medium-sized sets of mainland bank enterprise don't understand，Can't easily lending；And Taiwan bank of Taiwan enterprises in the dongguan's state of operation also don't understand，The same can't easily lending。

　　谢认为，“台企遭遇的不单是融资难，还有货币清算难题。这次中央定东莞为粤台金融合作试点，能真正带来实际性的改变。”

Thank think，“Taiwan enterprises is not only in financing，And monetary settlement problem。The central set the dongguan for guangdong-taiwan financial cooperation pilot，Can really bring practical change。”

　　台商的期待与遗憾 Taiwanese expectation and regret

　　7月，国务院批准东莞作为粤台金融合作试点并不突兀。

July，The approval of the state council dongguan as guangdong-taiwan financial cooperation pilot is not abrupt。

　　2010年1月27日，北京，大陆的海峡两岸关系协会，与台湾的财团法人海峡交流基金会签署了从2008年便提起的《海峡两岸经济合作框架协议》（下称“ECFA”）。

January 27, 2010，Beijing，China's association for relations across the Taiwan strait，And Taiwan consortium corporation of the straits exchange foundation signed from 2008 and filed《Cross-strait economic cooperation framework agreement》（Said the“ECFA”）。

　　在ECFA第六条“经济合作”中的第三点，便有“金融合作”的条款。

Article 6 the ECFA“Economic cooperation”The third point，Will have“Financial cooperation”terms。

　　但这仅仅是一个顶层设计，并无实质性内容与具体落实措施。

But this is only a top design，And there is no substantial content and specific implementation measures。

　　2010年1月30日，在广东省两会即席发言上，时任东莞市台商投资企业协会会长叶春荣抢过麦克风，一股脑抛出七大建议，其中就有“杜绝侵权，保护企业知识产权，提供融资平台”，“希望能对台商开放酒店、医院、贸易公司等服务业”等。

On 30 January 2010，In guangdong province two meetings extemporaneous speech，The following enterprise association YeChunRong grabbed a microphone，A stream of seven out advice，Some of them“Stop infringing，Protection of intellectual property rights of enterprises，Provide financing platform”，“Hope to open the Taiwanese、hospital、Trading companies and other services”etc。

　　叶春荣的发言得到省政府的重视，很快，省政府便在这年4月出台《广东进一步支持台资企业发展若干措施》帮扶台商。因《措施》共有13项条款，被称为“13条”。

YeChunRong speech to get the attention of the provincial government，soon，The provincial government and in April this year to come《Guangdong further support taiwan-owned enterprise development measures》Supporting Taiwanese。for《measures》There were 13 terms，called“Article 13”。

　　这13条中第11条便为“加强粤台金融交流与合作，大力推动粤台贸易人民币结算”。

This article 13 in article 11 and for“Guangdong-taiwan financial exchanges and strengthen cooperation，Vigorously promote guangdong-taiwan trade RMB”。

　　正是在这些措施出台后，台资银行“富邦银行”、“玉山银行”先后在东莞设立办事处，开展相关业务。一些台资融资租赁公司，如“邑富”与“东联”，也开始大胆在东莞拓展业务。

It is in these measures after coming on stage，Endowment bank“Fubon bank”、“Esb bank”Successively in the dongguan set up the office，Launches relevant business。Some taiwan-owned lease financing company，if“Cities have rich”and“DongLian”，Also began bold in the dongguan expanding business。

　　但心存期待的谢庆源对此仍感遗憾，2012年7月30日，他向时代周报评价：“无论是之前的ECFA，还是‘13条’，都不具体，政府也没有将其落实为具体的措施，粤台两地的金融合作始终没有得到很大的推进。如玉山银行在东莞设立办事处已经接近两年，仍然不能升格为分行。”

But be looking forward to this XieQingYuan still feeling regret，July 30, 2012，He to The Times weekly evaluation：“Whether the ECFA before，or‘Article 13’，Are not specific，The government also have no the implementation for concrete measures，Guangdong-taiwan cities of the financial cooperation never get a great boost。Such as esb bank in the dongguan set up offices have meet in the past two years，Still can't be upgraded to branch。”

　　2012年初，广东省政府将“加强粤台金融合作”写进“广东省金融改革发展‘十二五’规划”，并将东莞、汕头作为粤台金融合作的试点地区。

In early 2012，The government of guangdong province will“Guangdong-taiwan strengthen financial cooperation”Written into“Financial reform and development in guangdong province‘1025’planning”，And will the dongguan、Shantou as guangdong-taiwan financial cooperation pilot areas。

　　到了今年的7月，汕头最终被撤下，中央批复“东莞为粤台金融合作试点”。

In July of this year，Shantou was eventually removed，The central reply“The dongguan for guangdong-taiwan financial cooperation pilot”。

　　东莞接下来怎么做？ The dongguan next do？

　　7月25日，东莞市金融工作局局长叶浩鹏向媒体披露：“现在，东莞被《方案》定位为开展粤台金融合作的试点（城市），接下来，东莞将继续在台商企业融资、人民币与台币兑换业务、开设台资背景的融资租赁公司、融资担保公司等方面积极尝试。”

July 25,，Following the financial bureau chief YeHaoPeng disclosure to the media：“now，dongguan《scheme》Positioning for guangdong-taiwan financial cooperation in the pilot（city），The next，The dongguan will continue in Taiwanese enterprise financing、RMB exchange business with nt $、Opening of the background of the Taiwan lease financing company、Financing guarantee company actively trying to。”

　　当下，东莞市金融局正联合中国人民银行东莞中心支行、东莞银监分局制定落实方案。

then，Following the financial bureau of the people's bank of China is joint dongguan center branch、The dongguan silver branch implementation scheme for prison。

　　“《方案》制定出来后，还需等待上级部门批准通过，没那么快出台。”东莞市金融局一工作人员说。

“《scheme》Set out，Still need to wait for the department for approval，Not so fast to come。”Following the financial bureau a staff said。

　　7月30日，在东莞会展酒店，谢庆源在接受时代周报记者采访时称：“中央批准东莞作为粤台金融合作试点的消息，我听说了。现在，有开放担保公司与融资租赁这一块，但是租赁公司（的业务）如今只限制在机械设备这一块。可在目前的中小企业转型升级困难期，资金周转才是最重要的。”

July 30,，In the dongguan exhibition hotel，In an era XieQingYuan reporters weekly said：“Approved by guangdong-taiwan dongguan as the central financial cooperation news of the pilot，I heard the。now，There is the open guarantee companies and financing lease this piece，But the leasing company（business）Now only limited in mechanical equipment this piece。But in the present transformation and upgrading of the small and medium-sized enterprises in business，The capital turnover is the most important。”

　　谢庆源认为，“东莞如果能开放区域性的银行，给台商投资，那是最好的。这样，就可以利用两岸的信用、担保等各种手段贷款给台商。”

XieQingYuan think，“The dongguan if can open regional bank，To Taiwan investment，That is the best。this，Can use on the two sides of the credit、Guarantee, etc. Various kinds of means loans to Taiwan。”

　　中国人民银行东莞中心支行披露的数据显示，截至2012年6月底，东莞市本外币各项存款余额7196.9亿元，比去年同期增长10.8%，其中人民币存款余额为6913.2亿元；本外币各项贷款余额4170.6亿元，同比增长12.9%。

The people's bank of China the dongguan central subbranch of disclosure figures show，By the end of 2012 to the end of June，Following the balance of local 719.69 billion yuan，Than last year the corresponding period grows 10.8%，One RMB deposit balance is 691.32 billion yuan；The loan balance of local 417.06 billion yuan，Year-on-year growth of 12.9%。

　　“这一大笔资金不好好利用于实业是非常可惜的。”中山大学岭南学院财政税务系主任林江向时代周报分析：“这反映出，东莞在民间金融的发展方面仍落伍于长三角地区，而与此相对应的是，近一年多来，东莞中小企业融资难题更加突出，其中台资企业的融资问题更为严重。”

“This large amount of funds don't make good use of in the industry is very regrettable。”Zhongshan university lingnan college financial tax the dean Lin jiang to times weekly analysis：“This reflects a，The dongguan in the development of private financial still lagging behind the Yangtze river delta region，But the flipside is，Nearly a year to，The dongguan small and medium-sized enterprise financing problems become more prominent，Among them the taiwan-owned enterprise financing problem is more serious。”

　　林江认为，引进台湾金融机构来东莞很有意义，但单纯依靠台资银行来东莞设分行，仍然不能有效解决台商融资难的问题。还是应该把台资企业融入到本地银行中去，台资银行与本土银行合作，是很好的突破口。

Lin jiang think，Taiwan's financial institutions to introduce dongguan very meaningful，But only depend upon the endowment bank to the dongguan branches，Still can't effectively solve the problems of financing difficulties of the Taiwanese。Or should the taiwan-owned enterprise into local Banks，Endowment bank and the local bank cooperation，The breakthrough is very good。

　　值得注意的是，按照现行政策，台资银行参股大陆银行时，股权上限为20%，不具备经营权。

Note the，According to the current policy，Endowment bank shares at the bank of China，Equity limit of 20%，Does not have the right。

　　对此，广东省金融办主任周高雄曾说：“大陆的银行与台商合作，还是存在一些障碍，但如果成立一家由台湾资本组成专门服务台商的银行，行不行？或许东莞可以做出来。”

this，Guangdong financial do director weeks geohiong (kaohsiung) has said：“The mainland firms and Banks cooperation，There are still some obstacles，But if by Taiwan capital to set up a special service of Taiwanese Banks，Line not line？Perhaps the dongguan can do it。”

　　而叶浩鹏亦曾表示：“目前的设想是，在‘十二五’期间引进3-5家台资银行或具有台资背景的国际性金融机构，但还需要看看两岸的政策。”

And YeHaoPeng also has said：“The idea is，in‘1025’Introduction of 3-5 home during the endowment bank or with the background of the Taiwan international financial institutions，But also need to look at both sides of the policy。”

　　难产的玉山银行东莞分行 Dongguan branch of difficult labor esb bank

　　在东莞市南城区胜和路华凯大厦一层，玉山银行东莞分行已装修完毕，但招牌却被红绸包裹着，仔细辨认才能隐约看到“玉山银行”四字。

In the following south city-and road huakai buliding a layer，Mt. Jade dongguan branch bank has finished decorating，But the signs are GongChou parcel，Identify carefully to ambiguously see“Esb bank”Four words。

　　玉山银行东莞分行有两个门面，右边的营业厅大门紧闭，左边铁皮闸门却拉上去一半，以便员工出入。如今，在里面办公的员工并不多，被问及有多少员工时，一名工作人员说：“我们现在正在调整当中。”

Mt. Jade dongguan branch bank has two appearance，The right of the business hall the door shut，The left iron gate has pulled up half，So that employees in and out。now，Inside the office staff is not much，Asked how many employees，A staff said：“We are now of adjustment。”

　　早在2003年，玉山银行便获得台湾当局的批准进入大陆设立分支机构，但直到2010年4月28日，才在东莞成立办事处。原因是，“东莞有4100家台资企业，而玉山银行在台湾便是以服务中小企业见长”。

As early as in 2003，Mt. Jade bank gets the Taiwan authorities approval to enter the mainland to establish branches，But until April 28, 2010，Just in the dongguan established its office。Reason is，“The dongguan 4100 have taiwan-owned enterprise，Mt. Jade bank in Taiwan and small and medium-sized enterprises to service is good at”。

　　但在东莞成立办事处的一年多时间里，玉山银行只能做简单的对台资企业进行对公存款、汇款和信贷的外汇业务，不能发行银联卡、信用卡，更不能做人民币存储等业务。

But in the dongguan established its office of more than a year，Mt. Jade bank can only do simple to taiwan-owned enterprise for public deposit、The foreign exchange remittance and credit business，Can't issue union pay card、Credit card，More can't do RMB storage business。

　　按照2011年1月1日生效的ECFA的规定，从设立办事处起，台资银行在大陆地区设立代表人办事处满一年后，可申请设立分行；同时，台资银行不能从事人民币业务的期限，从2年缩短到1年。

According to the effective January 1, the provisions of the ECFA，Set up the office from within，Endowment bank set up representative offices in mainland area full a year，Can apply for the establishment of a branch；At the same time，Endowment bank cannot be engaged in the RMB business deadline，From 2 years reduced to 1 year。

　　一年期满，玉山银行向管理部门提出升级为分行，获得中国银监会批准，计划在今年4月挂牌成立分行。但最终因东莞银监分局未批，未能如愿，其在3月份已经聘请的20多名员工，也已大半被辞退。

One-year full，Mt. Jade bank to the management department proposed upgrades to branch，Get approved by China banking regulatory commission，In April this year plan was founded branch。But the bureau of prison dongguan silver not，Wasn't，The march had hired more than 20 employees，Also has most of the dismissal。

　　“原本，玉山银行计划在分行开业一年内，吸引存款5000万美元的，但现在只能等待。”

“originally，Mt. Jade bank plans to open a branch in years，Attract deposits of $50 million，But now can only wait。”

　　“玉山银行去年底获得中国银监会批准筹建分行之后，已经向东莞银监分局提起申请，现在还未获批，可能是在等待最佳时机。原定于今年6月举行的第8次‘陈江会’，将就ECFA展开会谈，会涉及台湾银行在大陆成立分行的问题，以及中国银行(601988,股吧)在台湾的设点问题。玉山银行东莞分行何时获批，可能要看会谈的结果。”今年6月，东莞市台商投资企业协会副会长翟所领如是说。

“Mt. Jade bank at the end of the approval letter for the China banking regulatory commission after the branch，Have to mention the prison precinct dongguan silver application，Now is not approved，May be waiting for the best time。In June of this year was scheduled at the eighth‘From Chen jiang will’，ECFA will open talks，Will involve Taiwan bank was established in the mainland of the branch，And bank of China(601988,Shares it)The problem in Taiwan is prohibited。Mt. Jade dongguan branch bank when approved，Might want to see the results of the talks。”In June this year，Following enterprise association, vice President of Zhai gets said。

　　在华凯大厦1209室里，是另一家台资背景银行富邦银行。这家银行比玉山来得更早，早在2009年12月3日便在东莞设立了办事处。但现在，它们所能做的只有继续等待。

In the huakai buliding 1209 room，The other is a taiwan-funded background of fubon bank bank。The bank than esb come more early，As early as 3 December 2009 and in the dongguan set up offices。But now，What they can only continue to wait。