昨日，温州市政府召开新闻通报会，市场期盼已久的温州金融综合改革试验区实施方案（12条实施细则）正式出台，规范发展民间融资成为亮点。

yesterday,Wenzhou city government held a news sessions,Market long-expected wenzhou financial comprehensive reform pilot implementation plan(Article 12 the detailed rules for the implementation of)Come on stage formally,The normalized development of folk financing become bright spot.

　　温州市金融办主任张震宇向证券时报记者表示，金融机构的准入很谨慎，监管部门的审批很严格，金融改革不是一蹴而就的事情。目前，温州金改涉及的78项内容正由30个部门牵头，逐步推进。其中，40个项目已经启动，20余个项目已在进行前期工作，搭建框架，另外10余个项目尚在推动开展中。

Wenzhou financial do ZhangZhenYu director to the securities times reporter said,Financial institutions access is very cautious,Regulatory approval is very strict,Financial reform is not achieved overnight thing.At present,Wenzhou gold change involves 78 item contents are 30 departments by the lead,Gradually advance the.the,40 project has begun,More than 20 project has been in previous work,Build framework,Another 10 project is still in promoting the development.

　　为规范发展民间融资，实施细则称，温州将建立民间融资监测体系，形成民间融资综合利率指数即“温州指数”，由各县市区企业测报点记录的企业借入民间资本利率、小贷公司借出利率、融资性担保公司融资过程利率和民间借贷服务中心实时利率等几方面进行加权平均。张震宇表示，该指数将于本月底或12月初发布，每周一次，逐渐发展到实时更新，做好民间融资动态跟踪和风险预警。

In order to regulate the development of folk financing,Said the detailed rules for the implementation of,Wenzhou folk financing will build monitoring system,Formation folk financing comprehensive rate index namely"Wenzhou index",By various counties urban enterprise CeBaoDian record enterprise borrowed folk capital interest rates/Small credit company loan interest rates/Financing guarantee company financing process interest rates and folk loan service center real-time interest rates several aspects of the weighted average.ZhangZhenYu said,The index will in the end of this month or early December release,weekly,Develop gradually to real-time update,Do folk financing dynamic tracking and risk early warning.

　　此前的温州金改总体方案中指出，要“研究开展个人境外直接投资试点，探索建立规范便捷的直接投资渠道”。而实施细则中提到，要“开展个人境外直接投资试点”。这意味着个人境外直接投资试点或更进一步。

Previous wenzhou gold change that overall scheme,to"Study foreign direct investment in the individual pilot,Exploring to establish a standardized convenient direct investment channels".And the detailed rules for the implementation of the mentioned,to"Carry out personal foreign direct investment pilot".This means that individual foreign direct investment pilot or further.

　　中国人民银行温州市中心支行行长吴国联表示，个人境外直投试点工作不久的将来一定会开展。目前，具体方案和实施细则已经上报国务院，万事俱备，只欠东风。

The people's bank of China wenzhou center branch President WuGuoLian said,Personal overseas straight investment pilot work in the near future will carry out.At present,The concrete scheme and the detailed rules for the implementation of the state council has already been reported,All systems go,Only owe dongfeng.

　　方案细则指出，将探索小额贷款公司发行中小企业私募债，而这也是温州特例。

Scheme is pointed out that rules,Will explore small loan companies issuing small and medium-sized enterprise SiMuZhai,And this is also the special case of wenzhou.

　　张震宇强调，小贷公司不能吸收社会存款的底线不能突破，做大做强小贷公司需要在拓宽资金来源的同时防范金融风险。浙江省金融办每年对小额贷款公司有评级和系统考评，优质的、经营状况良好的小额贷款公司才有条件发行私募债。预计第一步将向机构募集发行。

ZhangZhenYu emphasize,Small credit company cannot absorb social deposit can't break out of the bottom line,Bigger and stronger small loan companies need in broadening sources of financing and guard against financial risks.Zhejiang financial do every year to small loan companies have rating and evaluation system,quality/Operating in good condition of small loan companies have issued SiMuZhai conditions.The first step will be expected to raise issue institutions.

　　小贷公司转村镇银行此前一直是市场关注的热点，本次实施细则里也提出，要试点部分符合条件的小额贷款公司按规定改制为村镇银行。

Small loan companies turn town bank had been market is hot,The detailed rules for the implementation of the proposed also,To pilot part meet the conditions of the small loans in accordance with the provisions for the restructuring of village bank.

　　中国人民银行温州支行合作金融机构管理处处长娄振武表示，支持内控完善、业务规范和风险可控的好的小贷公司转为村镇银行。但究竟是小贷公司作为主发起人还是银行为主发起人，或者是双主发起人，银监会正在进行评估和可行性研究。

The people's bank of China wenzhou branch cooperative financial institutions administration division chief LouZhenWu said,Support perfect internal control/Business norms and risks are controllable good small loan companies into town bank.But what exactly is a small loan companies as the main sponsors or bank is main sponsor,Or a pair of main sponsors,The CBRC is evaluation and feasibility study.

　　张震宇并不赞同小额贷款公司全部转为村镇银行，可能本着突破和借鉴示范作用，在温州试点1～2家。但一旦小额贷款公司转制村镇银行成功后，预计民间资本占比将不少于70%。但民间资本内部如何分配比例，主发起人占比比例如何设定，这些问题还待与银监会协商。

ZhangZhenYu doesn't agree with small loans to the company all into town bank,May be in line with the breakthrough and reference for the exemplary role,In wenzhou pilot 1 ~ 2 home.But once small loan companies after the success of the transformation of village bank,Is expected to account for the folk capital than will not be less than 70%.But the folk capital internal how to allocation proportion,Main promoter of proportion than how to set,These problems also stay and banking regulatory commission (CBRC) consultation.

　　另外，温州在筹建地方金融组织机构上也做了大量工作。苍南联信小额贷款公司转苍南联信村镇银行的申报材料已经完成，即将上报；一家由企业主发起、银行参股设立的村镇银行已完成申报材料；均瑶集团10亿元主发起信托公司已完成材料；森马集团组建的融资性租赁公司的注册已预核准，待商务部审批；其他民企发起设立的保险公司，金融机构主发起的证券公司的设立也在积极推动中。

In addition,In the preparation of wenzhou local financial organization is also done a lot of work.Cangnan federal small loan companies turn cangnan federal bank villages and towns the declaration materials has been completed,Will report;A launch by business owners/Bank shares the establishment of the villages and towns bank has completed filing materials;JunYao group 1 billion yuan main launch trust company has completed materials;Semir group established financial lease companies registered has preliminary approval,Examination and approval to the ministry of commerce;Other corporation initiated the establishment of the insurance company,Financial institutions by the Lord the establishment of securities companies are also actively promote the.