证券时报记者 朱中伟

The securities times reporter ZhuZhongWei

　　出口萎缩、内需下滑、库存高企、成本上升是困扰泉州民营经济发展的四大难题，而资金紧张更是中小企业面临的生死存亡难题。

Declining exports/Falling domestic demand/Inventory high/The rise in the cost of quanzhou is the problem of the development of the private economy of the four big problem,And financial strain is the survival of small and medium-sized enterprises face problem.

　　泉州一带的中小民营企业多采取订单生产，从接单生产到交货回款，在此期间生产企业需要垫付自有资金。

Quanzhou area of small and medium-sized private enterprises more take order production,From the joint single production to delivery collection,During this period the production enterprise need disbursements equity fund.

　　以往泉州鞋服企业的订单跨度一般在半年左右，长期的甚至能达到一年。但是今年来，受限于利润空间和资金压力等因素，目前几乎所有企业敢于承接的订单周期就是在一季度左右。

Previous quanzhou shoes clothing enterprise order span in general about half a year,Long term can even reach a year.But this year to,Limited to profit space and such factors as fund pressure,Now almost all enterprise dares to undertake the order cycle is about in the quarter.

　　除订单周期缩短外，今年的订单款式多，但数量少，因此生产成本高企，使中小企业的资金链更加困难。

In addition to the order cycle shorten,This year's order more than style,But the quantity is less,So production costs high,Make small and medium-sized enterprise capital chain more difficult.

　　尽管当地的中小企业经营者普遍抱怨银行系统过于保守，程序复杂。他们认为，虽然目前泉州一带的民营企业由于家族、地缘关系，为了保工人、保成本，再低单价的订单也会接，但若经济形势进一步恶化，银行难以贷款，资金无法跟上，类似温州的“跑路潮”会否出现难以预料。

Although the local small and medium-sized enterprise operators the common complaint that the banking system is too conservative,Procedure complex.They think,Although at present the quanzhou private enterprise due to the family/Geopolitical relations,In order to protect workers/Guaranteed cost,Again low price order will also meet,But if the economic situation further deterioration,Bank loans to,Funds to keep up with the,Similar wenzhou"Run road tide"There will be no difficult to predict.

　　记者了解到，转向高成本民间借贷的企业已不在少数，另外银行普遍上调贷款利息，进一步使企业融资成本大幅增长。官方数据显示，今年1~7月，泉州规模以上企业利息支出37.68亿元，同比增长了27.6%。

The reporter understands,To the high cost of folk loan enterprise has not a few,Another common bank raised lending interest,Further make the enterprise financing cost growth.Official figures show,This year on July 1 ~,Quanzhou scale enterprise interest expenses more than 3.768 billion yuan,Growth of 27.6% year-on-year.

　　当地政府官员表示，正是考虑到金融发展相对实体经济已经严重滞后，所以泉州的金改规划早已开始。

The local government officials say,It is considering the financial development relative entity economy has the serious lag,So quanzhou gold change planning had already started.

　　泉州市发改委在书面回应记者采访中指出，泉州申报的是“金融服务实体经济改革试验区”，若能得到批复，将有更多的政策支持以引进更多的金融机构，有利于实现民间资本阳光化，更好地服务当地实体经济的发展。

In quanzhou city development and reform commission (NDRC) written response to reporters said,Quanzhou is declared"Financial service entity economic reform pilot area",If you can get a reply,There will be more policy support to introduce more financial institutions,Conducive to the realization of folk capital sunshine change,Better serve the economic development of local entities.

　　不过，考虑到目前温州金改尚在探索阶段，多数受访者均表示泉州金改的象征意义远大于实际意义，类似于在“国务院挂个名”。

but,Considering the current wenzhou gold change is still in the stage of exploration,Most respondents expressed that quanzhou gold change of symbolism far outweigh the practical significance,Similar in"The state council to hang a name".

　　可喜的是，当地政府也已意识到解决实体经济融资需求的迫切性。

The good news is that,The local government has already realized that solve the real economy financing needs of urgency.

　　记者在泉州某政府部门采访的时候，该单位领导正忙于面试政府引进的金融机构负责人。他表示，泉州金改与温州的侧重点会有些不同，主要是考虑怎样吸引更多的金融机构设点。

Reporter in quanzhou a government departments when interviewing,The unit leadership are busy interview government introduced the financial institutions.He said,Quanzhou gold change and wenzhou's emphasis will be different,The main consideration how to attract more financial institutions run.

　　晋江已于近日出台了《建设海峡西岸金融改革创新先导示范区工作方案》，一方面加快引进各类金融机构率先入驻，并提供先行先试的优惠政策；另一方面，加快新兴金融机构体系建设，力争两年内新增3~5家小额贷款公司，组建1~2家村镇银行，鼓励本地金融机构在闽商集中的地区和来闽务工人员原籍地发起设立2~3家村镇银行，鼓励和支持民间资本参与地方金融机构的设立。

Jinjiang already in recently issued[The west coast of the strait "financial reform and innovation pilot demonstration work plan],On the one hand to speed up the introduction of all kinds of financial institutions in the,And provide first foretaste of preferential policy;On the other hand,To speed up the emerging financial institutions system construction,Strive to two years new 3 ~ 5 home small loan companies,Form 1 ~ 2 home town bank,Encourage local financial institutions in fujian business concentrated regions and to fujian migrant workers home to start to establish a 2 ~ 3 home town bank,To encourage and support the folk capital to participate in the establishment of local financial institutions.

　　对于开发区内的企业，渠道则更加多样化。泉州经济技术开发区上市办副主任林文彬表示，除了继续推动企业上市外，政府还将大力推动中小企业到场外市场挂牌融资，直接给予现金奖励。另一方面，鼓励民营资本通过合法的创业、股权投资机构，投向实体经济，把民间不太规范的借贷，通过合法的方式投入实体经济。

For the development of the enterprise,Channels are more diversity.Quanzhou economic and technological development zone listed to do vice director LinWenBin said,In addition to continue to promote enterprise listed outside,The government also will vigorously promote small and medium-sized enterprise to otc market listing financing,Direct give cash prize.On the other hand,Encourage private capital through the legal business/Equity investment institutions,To the entity economy,The folk don't regulate lending,Through the legal way into the real economy.