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温州金改四月--亲稳网络舆情监控室
2012-08-04
“有人问我,温州金融改革100多天,改了什么东西?有什么成就?对于中小企业、民营企业有什么实质性的好处?说实话,这些问题我答不上来。”在7月31日一场关于温州金改的小型研讨会上,民进中央经济委员会副主任、温州中小企业发展促进会会长周德文的开场白颇显无奈。
“I was asked,Wenzhou financial reform more than 100 days,Changed what things?What is the achievement?For small and medium-sized enterprise、The private enterprise have what substantial benefits?To tell you the truth,These questions I couldn't answer。”On July 31 a about wenzhou small gold to the workshop,The central committee of the China economy, deputy director of the commission、Wenzhou small and medium-sized enterprise development council for the promotion of ZhouDeWen opening of a show helpless。
去年下半年开始,温州相继爆发民间借贷危机,部分中小企业资金链断裂,民营经济之都面临前所未有的危局。今年3月28日,国务院决定设立温州为金融综合改革试验区,这给当地注入一针强心剂,民间情绪高涨地筹办银行、开小额贷款公司。
Since the second half of last year,Wenzhou have outbreaks folk lending crisis,Part of the small and medium-sized enterprise capital chain rupture,The private economy in the grip of an unprecedented crisis。March 28,,The state council has decided to set up a comprehensive reform region for financial wenzhou,This to local into a big boost,Folk hugged and for the bank、A small loan company。
而如今,4个月的时间过去,民间热情渐趋冷却,议论金改速度太慢、步伐太小的声音渐起。
And now,Four months past,Folk enthusiasm gradually cooling,Talking about change gold too slowly、The pace is too small voice up gradually。
有着很强金融情结的温州人,将金改看作让民资进入金融业的巨大契机,认为如此才能盘活民间资金服务实业。
Have a strong financial complex of wenzhou,Gold will change as let the great opportunity into what the financial industry,Think so can revitalize the folk financial service industry。
“金改的目的并不主要是让民间资本进入到金融领域,而是要使金融更好地服务于实体经济。”一位温州金改办官员说。
“Gold is not the purpose of change is mainly let private capital into the financial sector,But to make financial better service to the entity economy。”A wenzhou gold to do officials say。
稳健派认为金改“只许成功不许失败”,但是至今只有成功的标准却似无成功的路径设计;而激进派搬出周小川“敢于试错”的表态作为“吹响冲锋号”的依据,但还没形成足够的创新智慧找到破解民间融资难的钥匙。
Moderates that au change“To be successful forbid to fail”,But so far only standard of success but be like without successful path design;And out of the zhou xiaochuan radicals“Dare to try the wrong”Statement as“Blew ChongFengHao”basis,But haven't form enough innovative wisdom find crack difficulty of financing folk key。
全国人大财经委副主任委员吴晓灵在一个研讨会上曾建议,温州应将非公众类金融机构的经营机制和业务创新作为突破重点,创新发展小贷公司、农村资金互助社和区域性柜台交易市场。
The National People's Congress vice director of CaiJingWei WuXiaoLing in a conference once the suggestion,Wenzhou should make the public class financial institutions operational mechanism and key business innovation as a breakthrough,The innovation and development of small loan company、Rural mutual funds and regional counter trade market。
民间冲动 Folk impulse
“按照现在这个趋势,金改不易。”温州民间金融元老杨加兴对本报说,言语间难掩失望之情。
“According to this trend,Gold is not easy to change。”Wenzhou private finance yuan add to our newspaper said the Lao Yang,Words to the feeling of disappointment among mask。
1986年浙江省召开扩大会议,政府报告要求“进一步深化金融体制改革”。就凭借这句话,杨加兴和搭档蔡兆清就办起了全国第一家民营股份制金融机构——温州鹿城城市信用社。
In 1986, held the enlarged meeting of zhejiang province,The government report calls“Further deepening the reform of the financial system”。It with this sentence,Yang XingHe partner CaiZhaoQing gardens and is the first private joint-stock financial institutions, wenzhou lucheng urban credit cooperatives。
尽管鹿城信用社此后被国有收编,杨加兴和同伴又数次申办银行未果,当几个月前获悉金改试验区获批,年近古稀的他认为“温州再次向金融行业进军的时间到了”。
Although lucheng credit cooperatives by state after this now,Yang and XingHe companion and several times the bid for the bank not if really,When a few months ago that gold change approved test,NianJinGuXi he think of“Wenzhou once again to the financial industry's time to tap into”。
3月28日确定的温州金改的十二项主要任务,民间比较关注的前两条分别为规范发展民间融资和加快发展新型金融组织。前者为制定规范民间融资的管理办法,建立民间融资备案管理制度,建立健全民间融资监测体系,后者则为加快发展新型金融组织,鼓励和支持民间资金参与地方金融机构改革,依法发起设立或参股村镇银行、贷款公司、农村资金互助社等新型金融组织。符合条件的小额贷款公司可改制为村镇银行。
On March 28, the gold of wenzhou to determine the 12 main task,Compare the first two folk attention article in order to regulate the folk financing development respectively and to speed up the development of new financial organization。The former formulated for regulating the management method of folk financing,Establish folk record management system of financing,Set up and perfect the folk financing and monitoring system,The latter in order to speed up the development of new financial organization,Encourage and support the private funds to participate in the local financial institution reform,Established according to law or equity town bank、Loan company、Rural mutual funds and so on the new financial organization。Meet the conditions of the small loans can change make company town bank。
今年5月,银监会出台实施意见,鼓励和引导民资进入银行业。杨加兴成立“温州农村发展银行筹备领导小组”,任组长,86岁的蔡兆清等人担任副组长。他们筹划的温州农村发展银行注册资金20亿元,出资人为当地具有知名度的企业,主要做动产质押业务。
In may this year,CBRC introduction implementation opinion,Encourage and guide into what the banking industry。YangJiaXing established“Wenzhou rural development bank preparation leading group”,RenZuChang,The 86-year-old CaiZhaoQing as deputy leader, etc。They staged a rural development of wenzhou bank registered capital of 2 billion yuan,People with visibility of the local investment enterprise,Main do chattel pledge business。
“我测算了一下,能提供月息1分的贷款,比现在小贷公司的利率低了近一半。”杨加兴说,“我们这么大年纪,不光是为了赚钱,温州不缺银行,但实在缺能服务中小企业的银行。去年温州的金融风波影响很大,金改搞好了,温州有救。”然而几个月过去了,杨向数个政府部门提交的报告,还未得到回复。
“I calculate it,Can provide you borrow-and that is per month 1 cent of loans,Now the company than small loan interest rates low for nearly half。”YangJiaXing said,“We so old age,Not only is to make money,Wenzhou is not short of the bank,But really short of small and medium-sized enterprises can service of the bank。Last year the financial turmoil wenzhou influence,Gold to go well,Wenzhou save。”But several months later,Yang to several government departments to submit reports,Also had received no reply。
此外,由民间发起的“温州现代商业控股银行”、“华侨银行”等筹建也一度热情高涨,至今仍无突破。温州地方政府给这些立志做金融家的民间资本建议:先组建小贷公司,再转为村镇银行。
In addition,By folk launched“Wenzhou modern business holding bank”、“Overseas Chinese bank”The preparation and once enthusiasm,Still no breakthrough。Wenzhou local government to these resolve to be financiers folk capital Suggestions:A small loans to companies,Then the bank to town。
过去几个月中,温州人开始热衷于创办小额贷款公司。
The past few months,Wenzhou people eager established microfinance company。
按照温州市“加快小额贷款公司发展三年计划”,当地今年将新增小贷公司30家,明年将达100家,资本净额总量达到800亿元,放贷规模1200亿元。
According to wenzhou“To speed up the small loans company three years development plan”,This year will increase the small local loan company 30 house,Next year will reach 100,Net capital amount to 80 billion yuan,Lending scale 120 billion yuan。
温州上峰小额贷款公司总经理杨义生介绍,小额贷款公司资金由注册资本金和银行融资两部分组成,主要利润本应来自小额贷款公司放贷利率和银行融资利率加上财务股份费用之间的利差,回报大小主要取决于融资杠杆倍数。
Wenzhou have small loans YangYiSheng introduced the general manager of our company,Microfinance company funds registered capital and bank financing by two parts,This should be the main profits from microfinance company lending interest rates and bank financing interest rate and financial shares the spreads between the cost,Return depends on the size of the financing leverage ratio。
“我们对外贷款的利率达到20%,但是资本年化收益仅10%,这个回报不高,主要是没有融资的放大效应。现在规定的银行拆借比例是50%,实际上按照合理的资产负债率,我认为拆借达到资本金的2或3倍都是合理的。”杨义生说,“我们融资成本高,客户都是银行挑剩的,企业资产质量低,贷款风险就比银行大,只有资金充足才能有效防范风险。”“企业的融资压力还是很大。”温州文化用品市场总经理陈金强说,企业去银行贷款月息是六七厘,但是小额贷款公司月息在1分7厘左右,“温州传统企业的利润非常少,有些根本达不到10%,找小额贷款公司借钱,能不能承受得起?”
“Our foreign interest rate for the loan reached 20%,But only 10% of income in the capital,This return is not high,Main is no financing amplification effect。Now the bank lending provisions ratio is 50%,In fact according to reasonable asset-liability ratio,I think to borrow the capital of the 2 or 3 times are reasonable。”YangYiSheng said,“We financing cost is high,Customers are left bank pick,Enterprise asset quality is low,The loan risk than big bank,Only adequate fund can effectively guard against the risk。”“Enterprise financing pressure is very big still。”Wenzhou cultural goods market general manager ChenJinJiang said,Enterprise go to a bank loan you borrow-and that is per month is six or seven to,But microfinance company in 1 points, 7 to you borrow-and that is per month or so,“Wenzhou traditional of the profits of the business is very little,Some are essential to less than 10%,Find small loans to borrow money from the company,Can not stand?”
按照中央对小贷公司的顶层设计,是希望将民间闲散资金变成企业规范起来,其鼓励政策是,允许小额贷款公司成熟后变成村镇银行来予以鼓励。然而,在当下开办小贷公司也没那么热了。
The central committee of the small loans in accordance with the company's top design,Be hoping to idle funds into enterprise standard folk up,The policy is encouraged,Allow small loans after the mature into town bank to be encouraged。however,In the present open small loan company also is not so hot。
“其实已经有少数成熟的小贷公司有条件转,现在都宁可不转,为什么?政策的前提是由正规金融机构控股,虽然现在把控股比例20%降到15%,但没有本质区别。民间资本进入金融领域,要有一定的独立性,否则温州改什么呢?”周德文说。
“Actually has a few small loan company has a mature condition to turn,Now all would rather not turn,why?Policy is the premise of the formal financial institutions by holding,Although the proportion controlled now 20% to 15%,But no essential difference between。Private capital into the financial sector,A certain amount of independence,Otherwise the wenzhou what change?”Messina said。
温州一家皮革厂老板林建海说,“以前是向银行贷一部分,向民间拆借一部分。今年,银行还是不肯贷,民间基本上借不到了,所以明年的订单即使有,怎么接还是个大问题。本来希望金改能尽快改善一下现状。不过4个月过去了,并没有感到太多变化。”
Wenzhou a enterprise boss LinJianHai said,“Used to be part of lend Banks,Interbank lending to the folk part。This year,The bank still refused to lend,Folk basically not to borrow,So next year order even if there is,How to pick was a big problem。Had hoped to gold as soon as possible to improve the situation。But in the past four months,And don't feel too much change。”
一位不愿具名的温州外贸企业老总说,他的那些企业主圈子,都感觉温州金改对中小企业融资难,没有实质的改善。
An anonymous wenzhou foreign trade enterprise old total said,His business owners circle,To all feel wenzhou gold to small and medium enterprises to financing,No substantial improvement。
而另一方面,实体经济下滑的势头似乎仍在延续。一个月前,在对温州700多家规模以上鞋革企业进行摸底调查后,温州鞋革行业协会理事长、康奈集团董事长郑秀康向政府汇报:1-6月份,温州规模以上鞋革企业共完成工业总产值242.85亿元,比去年同期回落4.24%。
And on the other hand,Entity economic downturn momentum seems still to be continued。A month ago,In the more than 700 scale of wenzhou shoe enterprises above baseline survey,Wenzhou shoe industry association chairman、Kang group of Nigeria ZhengXiuKang report to the Chinese government:1-June,Wenzhou shoe over the scale enterprise were done gross industrial output value 24.285 billion yuan,A drop of 4.24% more than the same period last year。
不仅是鞋革行业,温州市经信委7月底召集7个重点行业的商会、协会分析上半年经济运行情况显示,服装、塑料、制笔、合成革、紧固件、电气等行业的情况都处于下行状态。
Not only is the shoe industry,By the end of July of wenzhou letter committee called seven key industries of the chamber of commerce、Association analysis shows the situation of economic operation in the first half,clothing、plastic、pen、Synthetic leather、fasteners、Electrical industries were in descending state。
浙江省人大财经委的调研显示,今年上半年温州市60.43%的规模以上工业企业出现过减产停产,3998家规模以上工业企业已停产140家,产值同比下降多达2276家。
Zhejiang people's congress CaiJingWei study,In the first half of this year the wenzhou city 60.43% of industrial enterprises above designated size cut appeared to suspend production,3998 scale industrial enterprises already discontinued 140,Output value of as many as 2276 year-on-year drop home。
“上半年温州实体经济整体情况很不好。规模以上工业总产值1904.59亿元,同比下降3.1%,全市工业用电97.84亿度,同比下降5.7%。企业资金压力仍然较大,利润水平明显下降,生产订单也出现短、小、散的现象。”温州市经信委一位官员说。
“Wenzhou economic entity in the first half of the whole situation is very bad。Large industrial output value 190.459 billion yuan,3.1% year-on-year drop,The whole city industrial electric 9.784 billion degrees,5.7% year-on-year drop。Enterprise funds still high pressure,Profit level obviously decreased,Production order also appears short、small、Scattered phenomenon。”Wenzhou by an official letter committee said。
政府的思路 The government's idea
在总结过去100多天的金改工作时,温州市金改办的描述是“亮点纷呈”。
In sum up the past 100 days of gold to work,Wenzhou gold to do is described“Window had its”。
该部门一位官员说,目前金改的主要成就,体现在金融产品和服务创新上出成效、在多渠道破解“两难”问题上出成效、在民间融资规范化和阳光化上出成效、在地方金融管理和风险防范上出成效。
The department said one official,At present the main achievement of gold change,Reflected in the financial products and services on the innovation achievements、In the multi-channel crack“dilemma”The problem out effect、In the financing of standardization and folk sunshine on the results、In the local financial management and risk guard on the results。
“应该说地方政府,做了很多基础工作,积极招聘人才,还设置许多课题,向全国招标出谋划策。但说让中小企业感受到什么变化,真的很难讲得出来。”周德文坦陈。
“Should said the local government,Do a lot of basic work,Actively recruiting people,Also set many topics,The nation to the tender developments。But to say that small and medium-sized enterprise feel something change,It really hard to speak out。”ZhouDeWen admitted。
温州金融办主任张震宇说,“他们认为,不允许民资办银行证明温州金改失败。难道允许办银行就说明金改是成功的吗?金改的目的不在于多一家金融机构,而是搭建平台。”
Wenzhou financial do ZhangZhenYu director said,“They think,Not allowed to do what bank proof wenzhou gold to fail。Don't allow the bank to do that was to gold success?Gold to end is not in more of a financial institution,But the platform structures。”
地方政府旨在规范民间融资的“搭平台”重点之一,就是成立温州民间借贷登记服务中心。自4月挂牌截至7月底,该中心借出登记累计7.25亿元,借入登记累计金额13.07亿元,成交登记备案金额8290万元。
The local government is to regulate the folk financing“Build platform”One of the key,Wenzhou is established folk lending registration service center。From April listing by the end of July,The center lent registration totaled 725 million yuan,Borrow registration accumulative total amount of 1.307 billion yuan,Registration clinch a deal amount of 82.9 million yuan。
“温州的民间借贷规模是1200亿元,登记中心这么做是做不大的,人家为什么要来你这里登记,借给不认识的人。政府还应该动脑筋,吸引资金进来。”周德文说。
“Wenzhou folk lending scale is 120 billion yuan,Registration center to do so is to do not big,The somebody else why to you here to register,Lend don't know。The government should also think,Attract money come in。”Messina said。
周德文认为,中央给温州金改布置的十二条任务,“模糊一点不要紧,就给了我们改革空间,让你摸着石头过河,就看你温州人有没有勇气,大胆改革,杀出血路。”
ZhouDeWen think,The central to change the layout of wenzhou gold article 12 task,“It doesn't matter to a little fuzzy,Gives us reform space,Let you touch stone across the river,You see people of wenzhou have courage,Bold reform,nba.com。”
周德文介绍,4月份央行行长周小川到温州调研时曾表态,试点就是一种试错,要允许试错,总体方向要把握住,要平稳。但是个别试验做法、个别产品或者个别机构会出问题,错误出现后要总结经验以便更顺利地发展。“我认为金改需要重点突破的,一是民间借贷合法化,二是真正允许民间资本进入金融服务领域,三是突破个人资本海外直接投资。”周德文说。
ZhouDeWen introduced,Central bank governor zhou xiaochuan in April to wenzhou research has been comment,The pilot is a kind of trial and error,To allow testing,The overall direction to seize,To smooth。But individual test methods、Individual products or individual institutions will have a problem,After summing up the experience to mistake so that more smoothly development。“I think that gold is important to change the breakthrough,A folk lending is legal,2 it is really allowed private capital into financial services,Three is a breakthrough personal capital overseas direct investment。”Messina said。
但据多位了解温州市已递交给浙江省的金改细则的温州民间人士说,现有报告并没有太多的突破。而根据当地金改办日前的工作汇报,政府正在推进的解决融资难问题,也主要基于传统商业银行的产品和机构创新。
But according to understand the wenzhou city has more than submit to change the rules of the zhejiang province gold wenzhou people said,The report did not too many existing breakthrough。And according to local gold to do the work of a report,The government is the solution of the problem of financing,Also mainly based on the traditional commercial Banks products and organization innovation。
在早前一次论坛上,周德文把金改试验区落户温州比喻成“小白鼠”实验。但张震宇则表态,“温州金融改革不做小白鼠,只许成功,不许失败。如果这个试验失败,是对不起大家的。这次改革,我们要小心谨慎,大胆去试。”“其实步子完全可以放大一点。”温州方兴担保公司董事长方培林说。方是全国首家私人银行“方兴钱庄”的创始人,他以小贷公司政策为例说,2008年国家发布的《关于小额贷款公司试点的指导意见》,规定自然人、企业法人和其他社会组织可投资设立小额贷款公司。但其后浙江省又规定,小额贷款公司的主发起人,应是当地实力雄厚、信用优良的民营骨干企业。“国家规定的自然人发起主体被排除在外。”
In the earlier a BBS,The change in experimental ZhouDeWen gold compared to wenzhou“mice”The experiment。But ZhangZhenYu the comment,“Wenzhou financial reform don't do small mice,To be successful,No failure。If the experiment fails,Is excuse me everybody。This reform,We have to be careful,Dare to try。”“In fact it can scale it up a bit。”Wenzhou FangXing guarantee the chairman of the company FangPeiLin said。The first party private Banks“FangXing bank”Founder of,In his small loan company policy for example said,The 2008 national release《The pilot on microfinance lending guidance》,Provisions natural person、Enterprise legal persons and other social organizations can invest to establish small loans company。But later and provisions of zhejiang province,Small loans company main sponsors,Should be the local strength、Credit the fine private backbone enterprise。“The regulations of the state by a natural person subject are out。”
7月中旬,温州第二批8家小贷公司主发起人入围资格全部开标,其中4家流标。温州市金融办表示,“导致这4家小贷公司流标的原因,是多家企业投标文件不符合要求,并非企业参与不足导致。”
The middle of July,,The second batch of wenzhou 8 small loan principal at all the sponsors for the opening,One of the four flow standard。Wenzhou financial do said,“The four small loans to companies flow mark reasons,Many enterprises is the bid documents do not conform to the requirements,Not enterprises to participate in the shortages。”
但是小贷都是自然人股东拿自己的钱在玩,有什么不能做的。只要你后面监管规范,不会出大乱子。”方培林说。“反过来,为什么企业空心化还在加剧?政府的政策就是鼓励企业去发起小贷公司,年收益能达到15%~20%,比做实业强多了,所以都变卖资产,去做小贷。”方培林说。事实上,以温州首家小贷公司苍南联信小贷公司为例,其12位股东都是企业法人。
But small loans are natural person shareholder took his money in the play,Have what not to do。As long as you back supervision standard,Not a big trouble。”FangPeiLin said。“In turn,Why KongXinHua also increased the enterprise?The government's policy is to encourage companies to launch small loan company,Annual earnings can reach 15% ~ 20%,Compared to industrial much stronger,So are selling assets,To do small loans。”FangPeiLin said。In fact,Wenzhou small loans to the first company cangnan federal small loan company as an example,The 12 a shareholder is an enterprise legal person。
出路:非公众金融? Way out:The public financial?
“温州最困难的时候已经过去,金改试点下一步在于进一步彰显温州民营经济、民间资本、民间活力的特色。”温州市金融办主任张震宇此前透露,温州金改方案的细则目前已上报浙江省金融改革领导小组,预计将在8月对外公布。
“The most difficult time of wenzhou have in the past,Gold is to further make clear the reform of wenzhou private economy、Folk capital、The characteristics of folk vigor。”Wenzhou financial do ZhangZhenYu director had disclosed,Wenzhou gold the details of the plan now has to report to zhejiang financial reform leadership team,Is expected to be announced in August。
对于金改,民间的冲动与地方政府的思路尚存偏差。
For gold to,Folk impulse and local government still save the thinking of the deviation。
全国人大财经委副主任吴晓灵在前述中欧陆家嘴(600663,股吧)国际金融研究院的研讨会上说,“地方性的金融改革试点,要想在大的制度层面,特别是一行三会管理的公众金融机构制度上突破,是比较困难的。”她建议温州应着力在涉及少数能自我控制风险的,非公众性金融机构和金融活动的监管创新。
The National People's Congress vice director in the CaiJingWei WuXiaoLing lujiazui central Europe(600663,Shares it)The international financial institute conference said,“Local financial reform pilot,To be in large system level,Especially a line of three will manage the public financial institutions system breakthrough,It is more difficult。”She suggested that wenzhou should strive to involving a few can self control risk,The public financial institutions and financial activities regulatory innovation。
吴晓灵认为,温州金改试点重要突破口可以是定位做百万元以下贷款的小贷公司。小贷公司要解决的问题是,在限制股东数量的前提下,向富有净资产的自然人股东放开,扩大融资渠道,“民间真正有资金富余的是家庭和个人,融资比例至少应该扩大到净资产的两倍”。“小贷公司的前景,我认为不是村镇银行,而是金融公司,因为小贷公司经营的小额业务和银行业务在技术上差别很大,让他们运作小客户的钱风险较大。”吴晓灵建议,“可让他们先在小贷公司内部运作自己的钱,下一步做金融公司吸收大客户的钱,再锻炼几年,资产质量非常好,达到一定规模以后就可以做商业银行。”
WuXiaoLing think,Wenzhou gold reform is an important breakthrough in positioning can do one million RMB yuan of small loan company loans。Small loan company to solve the problem is,To limit the number of shareholders of the premise,To let go of the net assets of the rich natural person shareholder,Expand the financing channel,“Real capital of folk surplus is families and individuals,Financing ratio should extend to at least two times the net assets”。“Small loans the future of the company,I think not town bank,But financial company,For small business loans of small business and company in technology business bank difference is very big,Let them run small customer money the risk is bigger。”WuXiaoLing Suggestions,“Can let them first in a small loan company internal operating their own money,To do the next financial company absorbing big customer money,To exercise a few years,Asset quality is very good,To a certain scale can do after the commercial bank。”
据悉,未来几个月,温州还会再开3-4家民间借贷登记服务中心。“一年以后如果每个县都设有一家民间借贷中心,按每个民间借贷中心平均5000万元的资金撮合量以及每两个月一次周转的借贷期限看,可能将有几百亿的资金通过民间借贷流转起来。”张震宇说。“应该说,民间借贷中心成立不久,登记资金还是比较充足的,但是成交状况不理想,主要是缺担保机构。”方培林看好该中心的前景,他给温州政府支招:在平台中吸纳非融资性担保公司,为借贷成交提供履约担保。
It is reported,The next few months,The city also will open again 3-four non-government loan registration service center。“A year later if each county has a folk lending center,According to each folk lender an average 50 million yuan of money set quantity and every two months a turnover of lending period look,May have the funds through generation private-loan flow up。”ZhangZhenYu said。“Should say,Folk lending center founded soon,Registration capital is adequate,But the situation is not ideal clinch a deal,Main is lack of guarantee agencies。”FangPeiLin for the center prospect,He gave wenzhou government support:The platform absorb the financing guarantee company,Provide the performance guarantee for lending to clinch a deal。
周德文则在给政府的报告中建议,“借钱借给谁?大部分借给企业,政府要动脑筋吸引他们,比如到这里登记,政府允许民间借贷利息计入生产成本,这样企业的积极性就来了。”“很多人问我金改成功标志是什么,我站在企业的角度看是两点:三五年之后,我们的中小企业感觉到融资不难了,银行借不到在民间能借到;银行不暴利了,我们中小企业融资成本也降低了。能达到这个效果,我想改革就成功了。”周德文说。
ZhouDeWen is in the government's report suggested,“Who borrow money to lend?Most lend enterprise,The government should think attract them,For example to register here,The government allowed private lending interest included in the cost of production,In this way, the enthusiasm。”“Many people have asked me to sign is the gold success??????,I'm standing in the enterprise's point of view is two points:35 years after,Our small and medium-sized enterprise feel easy financing,The bank lend less than in the folk can lend to;No bank profits,Our small and medium-sized enterprise financing cost is lower。Can achieve that,I want to reform was successful。”Messina said。
皮革厂老板林建海最初对金改的希望渐渐谨慎,“都说金改要经过两三年才能看到大变化,但对我们来说,再熬两三年并非易事。”
Boss of LinJianHai first gold enterprise change of hope is cautious,“All said gold after two or three years to change to see big change,But for us,To have two or three years will not be easy。”
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