林小昭

LinXiaoZhao

　　据中广网报道，十八大代表、泉州市委书记徐钢日前接受中央台记者专访时表示，近期，国务院已经批准《泉州金融服务实体经济综合改革试验区》方案。

According to reports in the wide net,Eighteen big represents/Quanzhou municipal party committee secretary XuGang has accepted an interview with CCTV reporter said,recent,The state council has approved[Quanzhou financial service entity economic comprehensive reform pilot area]scheme.

　　下一步，中国人民银行等国家相关部门将正式行文批复该文件。泉州将成为继浙江省温州市金融综合改革试验区、广东省珠江三角洲金融改革创新综合试验区之后，第三个国家级金融综合改革试验区。

The next step,The people's bank of China and other countries related departments will formally reply the document writing.Quanzhou will become the financial comprehensive reform pilot area of wenzhou in zhejiang province/Guangdong pearl river delta financial reform and innovation after comprehensive experimental zone,The third national financial comprehensive reform pilot area.

　　在温州、珠三角等地金改获批之后，泉州、长沙、武汉等多地也加入金改的争夺，此次泉州金改方案获批，有其重要的意义。

In wenzhou/The pearl river delta, gold change after approved,quanzhou/changsha/Wuhan, etc more joined the race for gold change,The quanzhou gold change plan approved,Has its important significance.

泉州民间资金雄厚 Quanzhou folk abundant funds

　　熟稔当地经济的华侨大学工商管理学院副院长陈金龙教授告诉《第一财经日报》，在东南沿海民营经济的三大模式中，2008年金融危机以后，很多温州商人从实业转向房产等非实体经济，东莞是"两头在外"遇到很大挑战，而泉州主要是搞运动品牌，主要市场在国内，受到的打击相对轻一点。

Know the local economy of overseas Chinese university, vice President of the college of business administration ChenJinLong professor told[The first financial daily],The private economy in southeast coastal three mode,After the financial crisis in 2008,A lot of wenzhou businessmen from industrial to real estate is not the real economy,The dongguan is"Two head out"Meet great challenge,And quanzhou is mainly make sports brand,Mainly in the domestic market,Suffered relatively light a little.

　　但即便如此，由于泉州制造业整体比较初级，产业升级换代比较慢，加上经济形势下滑，也受到不小影响。它的金改已经涵盖在珠三角金改方案中。泉州主要是从产业链低端向高端升级。陈金龙说，前两个地方都有了金改支持，因此此次泉州金改获批也顺理成章。

But even so,Because of quanzhou manufacturing integral is primary,The upgrading of industry is slow,Add economic situation decline,Also is not small impact.Its golden change has covered in the pearl river delta gold change scheme.Quanzhou mainly from industry chain to high-end upgrade low.ChenJinLong said,The first two places are the gold to support,Therefore the quanzhou gold change approved also logical.

　　泉州是福建省经济最活跃的地市，连续13年经济总量位居福建省首位，辖下的晋江诞生了著名的“晋江模式”。一方面，经过30年的高速发展，泉州成为民间资本十分雄厚的地区，民间借贷十分活跃。另一方面，泉州民营企业数量众多，主要以中小企业为主，中小企业总数达6万余家，大量中小企业有很强的资金需求。

Quanzhou fujian province economy is the most active cities,After 13 years of economy in fujian province in the first place,Under the jinjiang was born famous"Jinjiang mode".On the one hand,After 30 years of rapid development,Quanzhou become folk capital is very abundant area,Folk lending is very active.On the other hand,Quanzhou private enterprise numerous,Mainly small and medium-sized enterprise is given priority to,Small and medium-sized enterprise total more than 60000,A large number of small and medium-sized enterprise has a strong fund demand.

　　泉州一家小额贷款公司人士说，尽管中小企业有强烈的资金需求，但今年以来由于经济形势比较严峻，所以在放贷方面比较谨慎。因此，如何将大量的民间资金服务于中小企业、实体经济十分重要。

Quanzhou a small loan companies activists say,Although small and medium-sized enterprise has strong fund demand,But since this year because of the economic situation is severe,So in lending side is cautious.therefore,How to put a lot of folk capital service to small and medium-sized enterprise/The real economy is very important.

保证资金流向实体经济 Ensure that funds flow to the entity economy

　　陈金龙说，目前很多地方的金改方案看起来大同小异，关键问题是民间资本很丰富，但是需要钱的企业又没有钱，所以金改很关键的一点就是要解决资金如何能够向实体经济流动。“现有的金融机制下，大型企业和银行体系都没有太多问题，最主要还是小微企业需要资金，而大量民间资金又不愿意给小企业，因为风险太大。我们缺少金融创新，能够合理保障资金提供者，又能使资金使用者便宜便捷拿到资金。”

ChenJinLong said,At present a lot of local gold change plan looks the same,The key problem is the folk capital is very rich,But need money enterprise and no money,So gold changed very key point is how to solve the fund to flow of entity economy."The existing financial mechanism,Large enterprise and bank system are not too many questions,The main or small micro enterprise need money,And a lot of folk capital and not willing to give small businesses,Because the risk is too big.We lack of financial innovation,Can reasonable security funds provider,And can make money users cheap and convenient to get money."

　　今年5月，福建省政府出台的《关于金融服务实体经济发展十一条措施的通知》指出，推动泉州国家金融服务实体经济综合改革试验区建设。支持泉州开展“区域集优债务融资模式”试点，扩大泉州债券融资规模，发展各类股权投资基金；试点开展民间融资登记管理制度，适时出台民间融资管理办法，服务泉州民营企业二次创业。

In may this year,The release of a government of fujian province[About financial service entity economic development article 11 measures notice]Pointed out that,Promote quanzhou national financial service entity economic comprehensive reform pilot area construction.Support in quanzhou"Regional set optimal debt financing mode"pilot,Expand the quanzhou bond financing scale,The development of all kinds of equity funds;To carry out pilot folk financing registration management system,Timely issued folk financing management measures,Service quanzhou private enterprise start a new undertaking.

　　近日，泉州市出台《泉州市金融服务实体经济工作意见》提出，要规范发展民间融资，有序引导民间资金投向实体经济，促进民间融资阳光化、规范化运行。包括探索设立民间资金管理公司，在条件成熟的县市区开展民间借贷登记服务中心试点，建立健全民间融资监测体系，加强对民间融资规模和利率的监测，做好民间融资动态跟踪和风险预警。

recently,Quanzhou on[Quanzhou financial service entity economic work opinion]Put forward,To regulate the development of folk financing,Orderly guide the folk capital to the entity economy,Promote folk financing sunshine change/Standardization operation.Including the exploration establishment of the folk fund management company,In the condition of mature wing in folk loan registration service center pilot,Establish and perfect the folk financing monitoring system,Strengthen the folk financing scale and interest rate monitoring,Do folk financing dynamic tracking and risk early warning.

　　中信银行(601998,股吧)晋江支行行长吴建尧告诉本报，在民间借贷阳光化后，银行了解企业的信息也会比较方便。“因为一个企业如果没有把这些地下的东西阳光化，我们银行都看不透。”吴建尧说，民间借贷阳光化后，银行了解企业的财务和负债等信息会更方便，在信贷投放方面也更为方便。

Citic bank(601998,guba)Jinjiang subbranch of a bank President WuJianYao told this newspaper,In the folk lending sunshine after the change,Banks know the enterprise information will also be more convenient."Because if an enterprise is no put these underground things sunshine change,We cannot see through Banks."WuJianYao said,Folk lending sunshine after the change,Banks know the enterprise financial and information such as debt will be more convenient,In the credit availability aspects is more convenient also.

　　陈金龙说，目前很多方法都围绕解决民间资金投向实体经济来展开，但不同的地方做法不一样，比如泉州会借鉴温州等地的一些做法，但像民间登记公司就做不下去。“温州是一个有益的探索，泉州可以根据温州的情况来做一些调整和探索。”

ChenJinLong said,At present a lot of methods to solve the folk capital around to the real economy to expansion,But different places are not the same,Such as quanzhou will be reference for some of the practices of wenzhou, etc,But like folk registration company do not go down."Wenzhou is a beneficial exploration,Quanzhou may, according to the situation of wenzhou to do some adjust and exploration."