文/周德文

Article/ZhouDeWen

　　继国务院批准温州金融综合改革试验后，温州上半年银行业资产质量恶化的消息再次被推上风口浪尖。

After the approval of the state council wenzhou financial comprehensive reform after test，Wenzhou in the first half of the deterioration of the banking assets quality news outlet wave was asked again。

　　这也使我们不禁想起去年9月温州老板“跑路潮”的新闻，那时恶性高利贷已经绑架了温州经济，温州的地方金融安全岌岌可危。随后便是从中央到地方政府出台的一系列扶持政策。这些政策有一定的针对性，也发挥了一定的作用，像去年那样中小企业老板密集跑路的现象得到缓解。

This and that we can not help but think of wenzhou boss last September“Run road tide”news，Then have kidnapped the malignant usury wenzhou's economy，Wenzhou place financial security is at risk。Then is from the central to local government has issued a series of policy support。These policies have specific aim，Also play a role，Like last year that small business owners dense run road phenomenon eased。

　　在今天的宏观环境下，中央已经明确表示不可能再出台一次4万亿元的经济刺激政策，而是要把民间资本利用起来，为企业服务。

In today's macro environment，The central has already made clear it will not be possible to issued a $4 trillion economic stimulus policies，But to the folk capital use up，For enterprise service。

　　温州的民间资本非常发达，尽管这几年来，外界对温州资本有一种妖魔化的倾向，把温州资本当成洪水猛兽，很多评价都是负面的。但实际上，在目前金融体制下，温州资本包括民间金融的各种作为证明，客观上市场需要它的存在。因此，国家也是下了决心要在温州进行金融改革，激发民间资本的力量，反哺实业发展，于是就有了温州“12点试点任务”。

Wenzhou private capital very developed，Although this for years，Outside of wenzhou has a capital demonization tendency，The wenzhou capital as the flood beast，A lot of evaluation is negative。But in fact，In the present financial system，Wenzhou capital including all kinds of private financial as proof，Objectively the needs of the market it exists。so，The country is also determined to financial reform in wenzhou，Arouse folk capital strength，Back-feeding industrial development，And then the wenzhou“12 o 'clock pilot task”。

　　然后便是“金改”。到今天已经三个多月了。我们已经取得了一些成绩。第一，我们建立起了民间借贷登记服务中心，为民间借贷合法化、阳光化提供了平台。目前，这里的业务也慢慢拓展开来，逐步走向规范化运作。第二，我们积极帮助中小企业，尤其是小微企业拓展直接融资渠道。最近温州筛选了10家企业，帮助他们发行私募债来进行融资。第三，温州还设立了股权交易中心、产权交易中心，帮助企业通过非上市的股权交易来融资。金融机构开始完善针对中小企业的专营机构，温州各家正规的金融机构都已经在针对中小企业、小微企业的专营中心，单独设立考核指标来进行运作，还有专门为中小企业服务的金融产品创新。

Then is“Gold to”。Today has for more than three months。We've made some achievements。The first，We established folk lending registration service center，Folk lending for legalization、The sun provides a platform。At present，Here the business expansion and slowly spread，Gradually moving towards the standard operation。The second，We actively help small and medium-sized enterprises，Especially small micro enterprises to develop direct financing channels。Recently the 10 enterprise wenzhou screening，Help them SiMuZhai issued to financing。The third，Wenzhou has also established a equity trading center、Property right transaction center，Help enterprise through the private equity deals to financing。Financial institutions for small and medium-sized enterprise of the perfect start specializing in institutions，Wenzhou families of formal financial institutions are already in small and medium-sized enterprises in、Small micro enterprise specializing in the center，Set up the evaluation index alone to operation，Also has special service for small and medium enterprises of the financial product innovation。

　　同时，温州还在完善地方的金融机构，大力发展小贷公司、村镇银行。我们今年年底要设立30家小贷公司，设立若干家村镇银行，加大农村信用社的改制（改成农村商业银行）步伐。我们还完善了地方金融的监管机构，比如，我们已经设立了温州地方金融监管局，对于振兴实体经济，破解中小企业融资难、融资成本高，发挥了一定的作用。

At the same time，The city also in improving the local financial institutions，Developing small loan company、Town bank。We by the end of this year, to set up a small loan company 30，Set up a number of home town bank，Increase the reform of rural credit cooperatives（To rural commercial bank）pace。We also improved the local financial regulatory agencies，For example，We have set up a local financial regulatory bureau of wenzhou，For the economy，Crack the financing difficulty、Financing cost high，Play a role。

　　当然，业界对于温州“金改”效果也讨论，国务院“12条试点任务”也比较模糊。我比较赞同一个观点，正因为有模糊的地方，我们才有空间去改革。对于温州没有利率试点、放松金融的准入门槛和去审批化，温州也觉得很遗憾。但是因为金融改革还是刚刚开始，温州今年更主要的是打基础，逐项制订实施细则和操作规程，明年再全面地推进。

Of course，Industry for wenzhou“Gold to”Effect also discuss，The state council“Article 12 pilot task”Also are fuzzy。I'm more agree with a view，Just because there are fuzzy place，We don't have the space to reform。No interest rates for wenzhou pilot、Relax the admittance threshold and financial to the examination and approval，The city has also felt sorry。But because of financial reform or just beginning，Wenzhou more major is found this year，Item by item, make implementation and operation procedures，To advance comprehensive again next year。

　　下一步我认为国家应该进一步为温州金融改革松绑，特别是在现在反响比较大的问题上。例如，我们应该允许温州民间资本在金融实验区里面创办真正民营的银行，这块到现在都没有突破，我们希望允许设立一些民营的银行，至少允许设立两到三家也是好的。

The next step I think countries should further easing for wenzhou financial reform，Especially in now echo of the big issues。For example，We should allow wenzhou private capital in financial area of private Banks established in real，This to have a breakthrough，We hope to allow the establishment of some private Banks，Allow the establishment of at least two to three home also is good。

　　从地方政府层面来说，应更加大胆地推进改革，拿出改革的魄力和勇气。因为改革本身就是要突破一些不合理的法律法规，温州作为全国唯一的金融改革试验区，你自己不去大胆地尝试，反倒被别的不是“金改”试验区的城市在金融改革方面超前了，就说不过去了。

Local government level from it，Should be more bold to push forward the reform，Take out reform drive and courage。Because reform itself is to break the number of unreasonable laws and regulations，Wenzhou, as the only financial reform region，You are not to go boldly to try，But by other not“Gold to”The test in the financial reform in advance city......，He said it。

　　因为关系整个温州的发展，对于民间来讲，我们的民间资本、民营企业，都应该积极地参与到改革中去。温州改革之初，正是由于温州的老百姓积极投身改革大潮，以自己的聪明才智，创造性地推动了各项改革，取得了重大突破，才创造了举世闻名的“温州模式”。

Because the whole development of wenzhou relationship，Will tell to folk，Our private capital、Private enterprise，Should actively participate in the reform。Wenzhou at the beginning of the reform，It is because of wenzhou people active reform tide，With their own wisdom，To promote the reform of the creative，Made a major breakthrough，To create the world-famous“Wenzhou model”。

　　我相信未来温州经济的前途一片光明，也能够为全国其他地方民营经济的发展提供经验。

I believe that the wenzhou economy will have a bright future，Can also for the rest of the country to provide experience for the development of private economy。