五年。不长也不短。

Five years。Not long nor short。

　　特别是从2007年到2012年这五年，它是那么的特殊，全球为之动荡不安，历史为之彻夜不眠。众所周知，世界性的经济危机至今并未结束，人类的命运仍难预测。环境超载，能源短缺，气候变化，食品安全，金融动荡……在这样的时间里，一个人一个企业活着不易！何况发展？何况创新？何况帮助海南乡村农民发家致富？

Especially from 2007 to 2012 of these five years，It is so special，The global turmoil，History is awake all night。As is known to all，The worldwide economic crisis is not over yet，Human fate is still difficult to predict。Environment overload，Energy shortage，Climate change，Food safety，Financial turmoil......In such a time，A person a enterprise alive is not easy！How much more development？How much more innovation？How much more help rural farmers get rich hainan fortune？

　　但是，就是在这样的背景下，海南在过去的五年里，农民人均纯收入由3256元增加到了6446元，基本实现翻番。

but，It is against this background，Hainan in the past five years，By 3256 yuan per capita net income of farmers added up to 6446 yuan，Basically realize double。

　　这个数字来之不易，农民小额贷款功不可没。

This number has not come easily，Farmers helped small loans。

　　其实，决定数字变化的关键是理念的变化。金融应该为“三农”服务，应该为农民发家致富服务。自从2007年4月，时任海南省省长（现任海南省委书记）的罗保铭与孟加拉“穷人银行家”尤努斯在博鳌拉勾之后，罗保铭就决心在海南农村推广向农民发放无抵押小额贷款，用金融作为杠杆，扶持农民立足当地特色资源优势，发展特色产业，增加收入奔小康。

In fact，Digital change is key to the idea of change。Financial should be“Agriculture, rural areas and farmers”service，For farmers get rich service should be rich。Since April 2007，The governor of hainan province（The current hainan provincial party committee secretary）The LuoBaoMing and Bangladesh“Banker to the poor”Yunus in boao, after the hook，LuoBaoMing was determined to farmers in hainan rural promotion issue unsecured small loans，With financial as leverage，Based on the characteristics of the local farmers to support resource advantage，Developing characteristic industrial，To increase the income well-off society。

　　这就是吴伟雄的机遇。吴伟雄读懂了罗保铭对海南农民的感情和牵挂，也读懂了罗保铭关于农村金融改革发展的理念核心就是要探索用小额贷款解决农民发展生产的资金投入问题。吴伟雄在海南省委省政府的支持下，大刀阔斧地开始干起来：海南农信社自创了“一小通”小额信贷模式，确保农民在无抵押的情况下能及时得到发展生产和生活所需的小额信用贷款，政府则对这种小额贷款全面贴息以降低成本。有了这种模式，吴伟雄在服务“三农”尤其在帮助农民增收解决“小额贷款难”上干得有声有色。

This is WuWeiXiong opportunity。WuWeiXiong read the LuoBaoMing farmers to hainan feelings and care，Also understand the LuoBaoMing about the financial reform in the rural areas development idea is to explore the core with small loans to solve the rural development production of money into question。WuWeiXiong in hainan provincial government support，Part to start dry up：Hainan a rural credit cooperatives“Through a small”Microfinance mode，Ensure that farmers in unsecured of the time to be the development of production and life of the credit for small，The government is the small loans to pay interest in the comprehensive to reduce costs。With this model，WuWeiXiong in service“Agriculture, rural areas and farmers”Especially in help solve increasing farmers' income“Small loans difficult”Doing sound and color。

　　吴伟雄也由此实现了人生的华丽转变：从一个实业家转变为金融家，从一个赫赫有名的上市公司董事长转变为帮助农民致富的“大债主”，从一个省会城市的副市长变成“海南尤努斯”专门向乡村农民发放小额贷款的海南农信社理事长。

WuWeiXiong has thus realized the magnificent life change：From a industrialists into financiers，From a distinguished listed company chairman into help farmers get rich“Big creditors”，From a capital city into the vice mayor“Hainan yunus”Special to the peasants' release of the hainan small loans of rural credit cooperatives。

　　金融，说实话，古今中外，很少与农民联系在一起。提起金融，提起银行家，人们脑海里浮现出的画面就是华尔街，就是西装革履一尘不染，就是电脑里起伏不定的曲线，就是北京、上海、深圳、香港……吴伟雄把这一幅画在海南画成了如下的素描：身着五颜六色的“岛服”，骑着自行车穿行于乡村田埂和胶林间，像盛开在山间的花儿；双手数着留有汗水渍印的小到一分一角的纸币！但是，你不能忽视这幅素描画里那些农民房前屋后奔走的小鸡、欢叫的母猪、摩托车、小车和农妇脸上舒展的幸福！

financial，To tell you the truth，Ancient and modern, Chinese and foreign，Very few farmers with together。Mention financial，Mention bankers，People head out of the picture is Wall Street，In western dress and leather shoes is spotlessly clean，Is the computer the curve of the ups and downs，Is Beijing、Shanghai、shenzhen、Hong Kong......WuWeiXiong put this picture painted in hainan as follows the sketch：Dressed in a colorful“Island under”，Bike ride through the rural field ridge and the glue，Like bloom in the mountains of the flowers；The sweat stains left hands number printed to a small points in the corner of the paper money！but，You can't ignore this picture in the front to the back of the SuMiaoHua farmers to run chicken、Shout sow、motorcycle、The small car and women face the happiness of the stretch！

　　毫无疑问，30年改革开放成果也离不开广大农民在责任田里和在无数个建筑工地上流汗流血默默奉献。但是，我们也不用讳言，至今享受改革开放成果实惠较少的可能仍是农民，所以，党中央国务院高度重视“三农”工作，三令五申要求要反哺农业，保护农民利益，建设“生产发展、生活宽裕、乡风文明、村容整洁、管理民主”的社会主义新农村。要实现这样的目标，就必须有千千万万个吴伟雄。

There is no doubt that，30 years reform and opening results also can not get away from the farmers in the field and responsibility in numerous sweat blood at the construction site offer silently。but，We also need not course，Since reform and opening up less affordable enjoy results may still is a farmer，so，The state council pay high attention to the central committee“Agriculture, rural areas and farmers”work，SanLingWuShen required to help agriculture，To protect farmers' interests，construction“Production development、Wealthy life、civilized、Village neatly、Democratic management”The new socialist countryside。To achieve such a goal，There must be thousands of WuWeiXiong。

　　因此，我们不能忽视吴伟雄和他的“海南尤努斯”们对于海南的意义。海南要建设国际旅游岛，实现科学发展绿色崛起，没有广大农村的发展和农民的幸福，就无从谈起。所以，海南省委书记罗保铭多年来一直强调建设国际岛的两个重要目标就是既要把海南建设成为中外游客的度假天堂，又要建设海南百姓的幸福家园。农民的幸福从何实现？吴伟雄们用他们的智慧、汗水和坚韧执着作出了回答。

so，We can't ignore the WuWeiXiong and his“Hainan yunus”For the significance of the hainan。Hainan to build international tourism island，To realize scientific development green rise，Without the development of countryside and farmers' happiness，Cannot survive。so，Hainan provincial party committee secretary LuoBaoMing for many years has focused on the island of international construction two important goal is not only to build hainan become a paradise for the Chinese and foreign tourists，The construction of the people and hainan happy homeland。Farmers from how to happiness？The WuWeiXiong with their intelligence、Sweat and tenacity persistent made answer。

　　与此同时，吴伟雄及“海南尤努斯”们这五年发展历程中的某些闪亮和精彩的片断发人深思发人深省，应该可以引发金融家们的反思和全球有识之士的共鸣。实际上，在全球金融局势急剧地不断变化、衍生之后，人们不知金融到底已变成了一个什么东西之后，“金融”这个曾经那么时尚鲜亮的词汇都让人心生厌恶了。不然人们无法理解美国人买房欠了债最后为啥让全世界人特别是勤劳善良的中国人买单了呢？

At the same time，WuWeiXiong and“Hainan yunus”The five years the process of the development of some ablaze and wonderful clips with a thought-provoking thought-provoking，Should be able to trigger the financiers and reflection of the global insight resonance。In fact，In the global financial situation have dramatically changed、Derivative after，People don't know what has become a financial after a what，“financial”This once so fashionable bright words let people born disgust。Otherwise people can't understand americans buy owe a debt last what let people around the world especially hard-working kind of Chinese the check？

　　从这个意义上讲，吴伟雄和他的“海南尤努斯”们实际上是无意中开创了新时代新背景下绿色金融发展模式。这种模式不仅仅是为农民提供了多少贷款，而是向农村延伸了金融等本应该延伸的公共服务产品。而这种延伸的金融服务产品又延伸了金融业可持续发展的路径，这种路径是实在的，可触摸的，不是云里雾里的，所以它是有强大生命力的。

In this sense，WuWeiXiong and his“Hainan yunus”In fact is the accidentally opened new era under the background of new green financial development model。This pattern is not only provides many loans for farmers，But to the rural areas have extended the finance should have extended public service products。And the extension of the financial services products and extension of the sustainable development of the financial industry path，The path is real，Can touch，Not in the clouds，So it is a powerful vitality。