原标题：拿着钱赚不到钱 山西财富市场遭遇“围城”之困

Original title:Take money earn money shanxi wealth market experience"siege"The trapped

　　⊙记者 陈俊岭 ○编辑 于勇

⊙ reporter ChenJunLing ○ editor in yong

　　坐拥全国储量近三分之一煤炭资源的山西，其蕴藏的民间财富能量也同样惊人。受此诱惑，私人银行、外资银行、券商、信托等各类金融机构纷纷闻风而至，试图分享山西民间财富管理的盛筵。

Inherit the national reserves nearly a third of the coal resources in shanxi,The reserves of folk wealth energy is also amazing.By this temptation,Private bank/Foreign Banks/brokers/Trust and other kinds of financial institutions have to panic at the news,Try to share the wealth management of shanxi folk longest day has an end.

　　与西部普遍面临金融资源匮乏的窘况不同，近年山西金融资源的配置似乎有些“拥挤”——四家私人银行比肩而立、证券营业部遍布大街小巷，各类民间融资公司更是遍地燎原。

And the west generally faced with the lack of financial resources different predicament,In recent years, shanxi the allocation of financial resources seems to some"crowded"- four private Banks stand shoulder to shoulder/Securities sales department in the streets,All kinds of folk finance company is the land start a prairie fire.

　　然而，让上述财富掘金客略感困惑的是，山西富人的理财观念仍十分保守，现金及存款仍是其资产配置的主要方式。更令人忧心的是，近年晋商资本外流的倾向有所加剧，其流向仿若“夜幕下的行军”，尽管体量庞大，但却难觅踪迹。

however,Let the wealth dig these is slightly perplexed,The rich shanxi financial idea still very conservative,Cash and deposit is still the main way of the asset allocation.More worrisome is,In recent years, the traders tend to capital outflows intensified,The flow like"The night of march",Despite the huge volume,But no trace.

　　在煤炭整合“后时代”，遭遇转型之惑的晋商资本，如何劝导其重回山西？面对山西民间财富的投资困惑，当地财富管理行业如何打破这一“坚果”市场？正成为当地金融机构乃至政府部门所面临的棘手考验。

In the integration of coal"Era after",Encounter transition of the capital in the traders,How to persuade their return to shanxi?In the face of shanxi folk wealth investment confused,The local wealth management industry how to break this"nuts"market?Is a local financial institutions and even government departments faces tough test.

万亿民间 Trillions of folk财富盛筵 Wealth grand banquet

　　来自山西的一项官方数据显示，仅从煤炭行业释放出的民间资本就有6000亿元左右，而德意志银行一份报告则大胆预测可能“超万亿”。

From shanxi an official figures show,Only from the coal industry release the folk capital 600 billion yuan,And deutsche bank a report bold prediction may be"Over one trillion".

　　“人说山西好风光，地肥水美五谷香；左手一指太行山，右手一指是吕梁。”上世纪50年代末由郭兰英演唱的《人说山西好风光》至今仍在山西传唱。

"People say shanxi good scenery,Ground water beautiful sweet corn;The left hand be one refers to the taihang mountains,The right hand be one refers to is luliang."At the end of the 1950 s by guo lanying sing[People say shanxi good scenery]Still sung in shanxi.

　　吕梁，这座地处山西中西部、吕梁山脉深处的秀美城市，也因土地贫瘠和交通不便，而成为远近闻名的国家级贫困地区。

luliang,The shanxi is located in the Midwest/Luliang mountains depths of beautiful city,Also because land barren and traffic inconvenience,And become far and near famous state-level poverty-stricken areas.

　　“三十年河东，三十年河西。”在当地探明巨大煤炭储量后，吕梁，这座此前甚少为外界关注的偏僻小城，迅速崛起为财政收入仅次太原的山西次富城市，而在同一条煤炭带上，还有陕西榆林、内蒙古鄂尔多斯等新晋富裕城市崛起。

"Thirty years hedong,Thirty years hexi."In the local proved huge after coal reserves,luliang,This had little concern for the outside world remote town,Rapid rise to fiscal revenue only time taiyuan shanxi times rich city,And in the same coal bring article,Yulin of shaanxi province and/Inner Mongolia erdos and other new jin rich city rise.

　　11月一个普通的交易日时间，记者来到位于吕梁市滨河南路的大同证券(博客,微博)营业部，这是一家开业仅两年的营业部，相比河对岸另一家券商营业部陈旧的设备，这里启用了大屏幕的电脑显示屏，尽管修葺一新，但前来交易的客户却屈指可数。

November a common trading day time,The reporter comes to is located in luliang city offshore henan road datong securities(blog,Micro bo)Sales department,This is a practice only two years of sales department,Compared with another across the river, and the securities business department of the old equipment,Here you enable large screen computer screen,Although repair new,But to trading client but can be counted on one's fingers.

　　与营业大厅门庭冷落形成鲜明对比的是，这家券商所代销的信托产品却异常火爆。尽管单只产品的申购门槛最高可达300万元，但经大户们的口口相传，很多信托产品常常在几个小时就售罄。

And the business hall swing snubbing contrast,The brokers have on-sale trust products was unusually hot.Although single product purchase threshold highest can amount to 3 million yuan,But the leader of the mouth,A lot of trust products are often in a few hours is sold out.

　　“吕梁的富人超过你的想像，都是这两年因煤炭起家的。”当地一位出租车司机告诉记者。

"Luliang rich beyond your imagination,This is two years for coal scratch."A local taxi driver told reporters.

　　事实上，吕梁只是山西依靠煤炭迅速致富的一个缩影。在过去多年中，山西煤炭业的民间资本一直超过国有资本，而在上一轮煤炭价格飙升行情中，山西的煤老板们，源源不断地将暗藏在地层深处的“黑金”变现为滚滚财富。

In fact,Shanxi luliang just rely on coal get-rich-quick a miniature.In the past years,Shanxi coal industry folk capital has been more than state-owned capital,And in the last round of the soaring price of coal in the market,Shanxi coal bosses,Constantly will be hidden in the deep formation"Black gold"Realizable for rolling wealth.

　　今年5月，山西对外宣布历时两年的煤炭整合宣告结束，至此，昔日数万家煤炭企业已整合至130家，70%煤炭已实现规模化和国有控股，而在这一过程中，昔日的“煤老板”也获得价值不菲的现金补偿。

In may this year,Shanxi announced last two years of coal integration ended,So far,The former home tens of coal enterprise has integration to 130,Coal has been realized 70% scale and state-owned holding,And in this process,former"Coal boss"Also get value does not poor cash compensation.

　　来自山西的一项官方数据显示，仅从煤炭行业释放出的民间资本就有6000亿元左右，而德意志银行一份报告则大胆预测可能“超万亿”。

From shanxi an official figures show,Only from the coal industry release the folk capital 600 billion yuan,And deutsche bank a report bold prediction may be"Over one trillion".

　　“保守估算，这笔资金也将达到4000亿～5000亿元人民币。”谈及整合后煤老板们的“补偿”，北京新晋商协会会长李建国对记者表示，如今煤老板们已难寻以往煤炭行业的高收益，这笔巨额财富何去何从值得外界关注。

"Conservative estimate,The money also will reach 400 billion ~ 500 billion yuan RMB."After the integration of coal bosses"compensation",Beijing new traders association li jg told reporters,Now coal bosses have is hard to find in the past of the coal industry high yield,The huge wealth what course to follow is worth another look.

　　山西富豪群体数量有多少？有何特征？在山西新晋作家老五《煤老板自述三十年》一书中这样描述：第一代煤老板以前多是当地的“破落户”，后来被逼上梁山才搞煤矿，尽管成了百亿老板，但骨子里仍觉得自己是个农民。

Rich shanxi population how many?What is the feature?In shanxi new jin writer he[Coal boss readme thirty years]The book described this way:The first generation of coal boss before is local"Impoverished family",Later be driven to do something to make coal mine,Although became billions of the boss,But in one's heart is still feel like a farmer.

　　而根据胡润百富统计，截至2010年底，山西有亿万富翁1250人，排名全国第十位；而千万富翁有14000人，排名全国第13位。据其描述，这一群体多出自资源领域，平均年龄在45岁左右，约1万人可成为私人银行潜在客户。

According to hu run rich statistics,By the end of 2010,Shanxi have billionaire 1250 people,Ranking the first ten;And multimillionaire has 14000 people,The national ranking 13th.According to its description,This group from the resources field,The average at the age of 45 or so,About 10000 people can become private banking potential customers.

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