官方正式文件发布前一个月，广东金改就在广州的一条街道上打下了一个“楔子”。而金改正式启动一个月之际，这枚“楔子”已经颇具影响力。

Official document issued one month before，Guangdong gold change in guangzhou on a laid a“wedge”。While the gold to formal start of a month，This medal“wedge”Has been influential。

　　8月28日，广州民间金融街（即越秀区长堤大马路）的一处显著位置，巨大的电子屏幕上显示着当天的“广州民间金融价格”：10天期小额贷款年化平均利率为20.7%、1个月期14.97%、3个月期20.35%、6个月期13.4%、1年期17.05%、1年期以上21.33%。

On August 28,，Guangzhou folk financial street（Yuexiu district is long beach boulevard）In a prominent position，Huge electronic screen with the day's“Guangzhou folk financial price”：10 days period small loans annualised average interest rate is 20.7%、1 month period 14.97%、Three months period 20.35%、Six months period 13.4%、One-year 17.05%、One-year above 21.33%。

　　所谓的“广州民间金融价格”，指的是由广州民间金融街管理部门提供的、街内外小额贷款公司和担保公司利率经计算后的平均值，每天更新在这块电子屏幕上，供街内外市场参考。目前，这一“广州民间金融价格”已因其良好的试验效果，进入了广东金改的正式方案中，正在深入推进。

The so-called“Guangzhou folk financial price”，Refers to the guangzhou folk financial street management departments of、Street inside and outside small loan companies and guarantee the company interest rates after the calculation of the mean value，Update daily in the electronic screen，For internal and external market street reference。At present，this“Guangzhou folk financial price”Already because of its good test effect，Entered the guangdong gold change of formal scheme，Are further。

　　“广州价格”试比温州价格 “Guangzhou prices”Fields wenzhou price

　　自广州民间金融街6月28日正式“开街”以来，已吸引了32家金融类机构入驻其间。其中，包括了11家小额贷款公司、3家担保公司和黄金珠宝企业、3家典当行和银行、1家投资公司、1家第三方支付公司和保险公司，2家证券公司和期货公司，金融生态显得非常丰富。

From guangzhou folk financial street June 28 official“Open street”since，Has attracted 32 home financial institutions in it。the，Includes 11 small loan companies、Three guarantee companies and gold jewelry enterprise、Three pawnshop and bank、1 home investment company、1 home the third party payment companies and insurance companies，Two securities companies and futures companies，Financial ecology is very rich。

　　广州市越秀区金融办副主任周明良接受本报记者采访时表示，现在，已经进驻的32家金融机构中，有13家尚未正式营业；还有大量金融机构的入驻申请正在行政程序处理当中。因此，“我们正在规划金融街第二期。”

Yuexiu district of guangzhou city financial to do vice director ZhouMingLiang accepting our newspaper reporter to interview said，now，Have in 32 home in financial institutions，There are 13 home has not yet formally opened for business；There are a large number of financial institutions in the application are administrative procedure of treatment。therefore，“We are planning the second phase of the financial street。”

　　与北京、上海的金融街不同，这条名为“民间金融街”的专门街道，并没有跨国银行、国际投行等大型金融机构，而都是一些具有民资背景的中小型金融机构。其中，知名度较高的银达担保公司金融街分支机构负责人陈祝斌告诉本报记者，赶在第一批入驻金融街，为的是赶上广东金改的东风，并在广州第一条金融街上占据一席之地。

And Beijing、Shanghai different financial street，This article called“Folk financial street”Special street，And no multinational Banks、International investment Banks and other large financial institutions，And what are some have background of small and medium-sized financial institutions。the，Awareness higher silver to guarantee company financial street branch ChenZhuBin person in charge told the reporter，Cast in the first batch of annual financial street，In order to catch up with the guangdong gold change of dongfeng，And in guangzhou article 1 for a financial street。

　　根据广东金改相关方案，这里将建成国内首条集资金借贷、财富管理、支付结算、信息发布为一体的金融街。而其短期规划目标之一，就是打造“广州金融价格”。除前述贷款利率，这一“广州金融价格”还包括了担保市场平均费率等，已陆续开始制作发布。

According to the guangdong gold change related solutions，Will be built here in the first set money lending、Wealth management、Payments and settlement、Information release for the integration of financial street。And its short-term planning one of the goals，Is build“Guangzhou financial price”。In addition to the foregoing loan interest rate，this“Guangzhou financial price”Includes the guarantee market average rate, etc，Has been released to make。

　　推动这一价格发布的是金融街信息平台建设管理工作组。这一由广州市金融办、越秀区金融办、金融街管理公司共同成立的半官方机构，专门负责推进金融街信息平台建设，协调相关机构参与信息归集和发布。

Promote the price is issued by the financial street information platform construction management group。This by the guangzhou municipal financial do、Yuexiu district financial do、Financial street management company jointly established the quango，Responsible for promoting special financial street information platform construction，Coordinate relevant organizations to participate in information collection and release。

　　广东省社会科学院教授黎友焕认为，广东既然打出了综合金融改革的旗子，就一定要有自己的价格体系，这与温州金改中“温州价格”的基本意义是一致的，比如推动民间利率的阳光化。但周明良介绍，广州价格与温州价格的不同在于，在此基础上，广州价格的主推者将提供咨询、信息登记、征信查询等服务，对价格有更强的调控能力。

Guangdong academy of social sciences professor LiYouHuan think，Guangdong since the comprehensive financial reform with the flag，Must have their own price system，This and wenzhou gold in change“Wenzhou price”The basic meaning is the same，Such as promoting folk rate of sunshine change。But ZhouMingLiang introduced，Guangzhou prices and wenzhou price is different，On the basis of，Guangzhou price of the main person will provide consultation、Information registration、Reference inquiry service，The price has more strong control ability。

　　积极式监管同步启动 Positive type supervision synchronous start

　　广州价格的主推者除了金融街信息平台建设管理工作组，还有“民间融资服务中心”——这家设于金融街的非营利性综合服务平台，主要提供交易前的中介、咨询、征信查询等服务。其与温州民间借贷登记中心的不同之处在于，民间融资服务中心主要是金融交易成交前的推荐，不做公证业务；温州民间借贷登记中心则是成交后的登记。

Guangzhou price of the main person in addition to financial street information platform construction management group，and“Folk financing service center”- the financial street is located in the nonprofit integrated services platform，Mainly provide before trading intermediary、consulting、Reference inquiry service。Its and wenzhou folk loan registration center in different，Folk financing service center is mainly financial transactions before clinch a deal the recommended，Don't do notarization business；Wenzhou folk loan registration center is after the transaction registration。

　　截至目前，民间融资服务中心还没有获得官方认证的中介机构资格，推荐达成的交易合同中不会有该中心的印章，因此，将不承担相关法律责任。“登记只是了解客户需求，然后给客户推荐小额贷款和担保公司，属于信息的整合和沟通。另外，还管理了一个网络平台，客户可在网上提交信息，小贷公司有权限查看客户信息，并可在线挑选客户。”周明良还透露，目前客户中有不少是拿房产作为抵押物来寻求资金的。

So far，Folk financing service center hasn't got the official intermediaries qualification authentication，Recommend a transaction contract won't have the center seal，therefore，Will not the relative legal responsibilities。“Registration is to understand customer needs，Then give customers for the small loan and guarantee company，Belong to the integration of information and communication。In addition，Also management a network platform，Customers can submit information on the Internet，Small loan companies have authority view customer information，And can choose online customers。”ZhouMingLiang also revealed，At present there are many customers is take property as a pledge to seek capital。

　　与温州金改相比，这种做法堪称谨慎。黎友焕就此解析道，“小额贷款公司的管理办法是由各个省自己来制定的，广东借金改搞这条街，并较早设立民间融资服务中心，主要是通过信息整合进行研究，供日后的政策突破和改革参考。”因此，民间融资服务中心的很多职能带有过渡性质。

Compared with wenzhou gold change，This approach can be cautious。This LiYouHuan analytic way，“Small loan company's management way is by each province to make yourself the，Guangdong borrow gold to make this street，And earlier set up folk financing service center，Mainly through the information integration research，For future policy breakthroughs and reform reference。”therefore，Folk financing service center with a lot of function transition properties。

　　这种谨慎还有更深层次原因。周明良透露，根据广东目前的监管办法，小贷公司只能用自有资金或从最多两家银行拆借不超过自有资金50%的资金，来开展放贷业务。这一监管要求相比温州甚至福建，都较为严格。“金融街就是要通过摸底，在金改进行过程中调整这一监管条例，促进小贷公司发展和中小企业融资。”他表示。

This caution and deeper reasons。ZhouMingLiang revealed，According to the guangdong current regulatory measures，Small credit company can only use their own funds or from two at the most Banks lending not more than 50% of the capital equity fund，To carry out business lending。Compared the regulatory requirements wenzhou even fujian，Are more strict。“Financial street is to through the touch bottom，In gold change process adjustment of the regulations，To promote the development of the company and small credit financing of small and medium enterprises。”He said。

　　针对入驻金融街的小贷公司和融资性担保公司，越秀区金融办已拟就相关监管暂行办法，送交广州市相关部门审议。本报记者从相关人士处获悉，这些监管暂行办法在适度放松监管的方向上做了一些努力，但也在违规后的处罚方式上提高标准。同时，规定了入驻金融类机构上报数据归集“广州金融价格”的义务，这是一种大胆的创新。

According to established financial street of small loan companies and financing guarantee company，Yuexiu district of financial do has outlined the relevant supervisory interim measures，Guangzhou related departments to review。Our reporter from relevant personage have learned，The interim measures for the supervision in moderate to relax regulation direction made some efforts，But also in the punishment after an irregularity in the way to improve standards。At the same time，Provisions in the financial institutions to data collection“Guangzhou financial price”obligations，This is a bold innovation。

　　“入驻企业会有谎报数据的动机，但上报数据是广东金改打造利率阳光化的一项要求，这一点已非常明确。”周明良表示，目前，根据小贷及担保公司的开业时间、注册资本规模、业务规模等标准，选择了部分公司纳入利率和费率指数的采集样本。

“Enterprises will have misreport data motivation，But the reported data is guangdong gold to create interest rate sunlight to turn of a requirement，This has very clear。”ZhouMingLiang said，At present，According to the small loan and guarantee company opening time、Registered capital scale、The standards on business scale，Choose the part of the company into the interest rate and rate index collection sample。