上周五（23日），温州市政府召开新闻发布会，公布了《浙江省温州市金融综合改革试验区实施方案》，在加大推动中小企业直接融资同时，温州也在“放水”民间资本，如开展个人境外直接投资试点，及小额贷款公司转为村镇银行等。

Last Friday(23),Wenzhou city government held a press conference,released[Zhejiang wenzhou financial comprehensive reform pilot implementation plan],To increase the small and medium-sized enterprises to promote direct financing and at the same time,The city has also in"drain"Folk capital,Such as promoting individual foreign direct investment pilot,And small loan companies into town bank, etc.

　　但与6000多亿民间资本相比，温州个人境外直投、小贷公司等“放水量”还毕竟有限。

But with more than $6000 compared with private capital,Wenzhou individual overseas straight investment/Small loan companies, such as"Put water"Also after all co., LTD.,.

　　“民资出口打开，在多大程度上能解决中小企业融资难问题，还有待观察。”浙江大学金融研究所所长、经济学院王维安教授昨天接受《第一财经日报》记者采访说，目前温州金改的核心是要拓宽直接融资的渠道，加大直接融资的力度，建立民间资金与中小企业的融通机制。

"Export open what,To what extent can solve the small and medium-sized enterprise financing difficult problem,Remains to be seen."Zhejiang university financial institute director/School of economics professor WangWeiAn yesterday to accept[The first financial daily]Reporters said,Now wenzhou gold change core is to broaden the channels of direct financing,Increase the strength of direct financing,Establish the folk capital and small and medium-sized enterprise financing mechanism.

　　个人境外直投待批 Personal overseas straight investment DaiPi

　　人民银行温州市中心支行行长吴国联在上述发布会上说，个人境外直投是我国外汇管理体制的重大改革，因此政府非常慎重。国务院为此专门进行研究，温州也做好了充分的准备，“我们有具体的方案，具体的实施细则，好多的项目库，现在是万事俱备、只欠东风。”

People's bank wenzhou center branch President wu yi said the conference,Personal overseas straight investment is China's foreign exchange management system major reform,So the government is very careful.The state council specially studied,The city has also done well prepared,"We have some concrete solutions,The detailed rules for the implementation of specific,A lot of project library,It is all systems go/Only owe dongfeng."

　　吴国联向本报记者表示，温州把个人境外直投方案上报给国家外汇管理局，该局经过研究同意后，已经上报到国务院，“批下来可能不仅仅只有温州，还有其他的试点城市要进来。一旦开展的话，温州在尽量争取成为第一单”。据悉，之前上海、天津也在争取个人境外直投试点。

WuGuoLian to our reporter said,Wenzhou put personal overseas straight investment plan reported to the state administration of foreign exchange,Through the study of consent,Has already been reported to the state council,"Batch down might not only wenzhou,There are other pilot city to come in.Once in words,In wenzhou as far as possible to become the first single".It is reported,Shanghai before/Tianjin are competing for personal overseas straight investment pilot.

　　去年，由温州市发改委、商务局、国家外汇管理局温州市中心支局三方，共同拟定的《温州市个人境外直接投资管理办法实施细则（试行）》规定，年满18岁的温州户籍居民，只要说明资金来源、提供投资项目合法证明等，就可以向温州市商务局申请报名。经温州市商务局审查后，由国家外管局温州市中心支局放行境外投资。

Last year,By wenzhou development and reform commission/Business bureau/The branches of the state administration of foreign exchange center of three parties,Worked together[Wenzhou individual foreign direct investment management detailed rules for the implementation of the measures(trial)]provisions,At least 18 years of age wenzhou household residents,As long as the show financing source/Providing investment project legal certificate, etc,Can apply for registration to the wenzhou business bureau.The wenzhou business bureau after examination,The safe by the national center of wenzhou branches overseas investment of release.

　　不过“试点政策”也并非完全放开，温州要求个人去境外投资实业等，但不得用于购房等消费类项目，以及股市等金融类行业。另外资金额度也有限制，一个人一个项目不得超过300万美元，多个人一个项目不超过1000万美元，年度放行总额不超过2亿美元。

but"Pilot policy"It is not completely let go,Wenzhou asking individuals to invest abroad industrial, etc,But shall not be used for such as purchase consumer project,And the stock market and financial industry.In addition amount of funds is limited,A person a project shall not be more than 3 million dollars,Many personal a project does not exceed $10 million,Annual release the total will not exceed $200 million.

　　温州市商务局对外经济合作处处长周小平说，温州个人境外直投可解决部分企业“应急”需求，一定程度缓解企业境外投资融资难。他认为，个人境外直投资金监管难度很大，很难确保他们进入规定领域，但堵不如疏，与其看着企业“地下运作”，还不如建立阳光化渠道，采用行之有效的监管。

Wenzhou city business bureau of foreign economic cooperation place department ZhouXiaoPing said,Wenzhou individual overseas straight investment can solve part of the enterprise"emergency"demand,To a certain extent alleviate the overseas investment enterprise financing difficulties.He thinks,Personal foreign direct investment gold supervision difficulty is very great,It is difficult to ensure that they enter the field of provisions,But plug as hydrophobic,Instead of looking at enterprise"Underground operation",As the sun set up change channels,The effective supervision.

　　村镇银行探索“双主发起人制” Bank villages and towns to explore"Double main promoter system"

　　温州银监分局副局长娄振武介绍，目前正在研究和评估在村镇银行的设立及小额贷款公司“贷改银”过程中引入“双主发起人制”，也就是民资与银行同为主发起人。

Wenzhou branch silver prison deputy director LouZhenWu is introduced,Currently research and evaluation in rural bank establishment and petty loan company"Credit to silver"Process into"Double main promoter system",What is with the bank mainly with sponsors.

　　温州市金融办主任张震宇说，今后温州村镇银行的民间资本占比将在70%左右。这意味着，主发起人虽为村镇银行的大股东，但并不能掌控董事会重大决议。

Wenzhou financial do ZhangZhenYu director said,In the future the village bank wenzhou folk capital accounts for more than would be around 70%.This means that,The main sponsors for villages and towns is the major shareholder of the bank,But not major in the board of directors resolution.

　　张震宇说，温州现有开业小贷公司30家，正在筹建22家，注册总资本已超过80个亿，今年吸收民间资本34.7个亿，发放贷款余额120个亿。同时，加大农村合作银行改革，大量吸收民资，如鹿城农村合作银行改制成功，新增资本金16亿，其中约十二三亿为民资。

ZhangZhenYu said,Wenzhou existing small business credit company 30,Is the house of 22,The total registered capital has more than 80,This year absorption folk capital 34.7,The balance of loans 120.At the same time,Increase the rural cooperative bank reform,What to absorb in a large amount,Such as lucheng rural cooperative bank reform success,New capital 1.6 billion,Roughly 102.3 billion for what.

　　王维安认为，如何让民间资金为实体经济服务，是温州金改的核心内容和任务。村镇银行，虽然解决了一小部分民资的出路问题，但其“间接融资”渠道和有限资本金，能否解决中小企业融资难问题，还有待观察。

WangWeiAn think,How to let the folk capital to be the real economy service,Wenzhou gold is the core of the change the content and task.Town bank,Although a small part of what was to solve the outlet problem,But the"Indirect financing"Channel and limited capital,Can solve the small and medium-sized enterprise financing difficult problem,Remains to be seen.

　　此外村镇银行也并非一本万利。乐清联合村镇银行行长吴大鸣最近接受本报记者专访时说，2007年首批村镇银行成立至今，全国村镇银行发展经历“由热转冷”过程。

In addition village bank also not bottom line.Yueqing joint town bank President WuDaMing recently accepted an interview with our reporter said,In 2007 the first town bank since its establishment,The national town bank development experience"The thermal transfer cold"process.

　　吴大鸣说，目前全国众多村镇银行回报不如小额贷款公司，股东对此也是意见不一。在目前温州6家村镇银行中，就乐清联合村镇银行一家超过小额贷款公司。同时，刚起步的村镇银行对“三农”、小微企业所做贡献毕竟有限，各方对村镇银行也是褒贬不一。

WuDaMing said,At present numerous national town bank returns as small loan companies,This is also the shareholders disagree.In the present wenzhou six villages and towns in the bank,Yueqing is joint town bank more than a small loan companies.At the same time,Just started the villages and towns to the bank"Agriculture, countryside and farmers"/Small micro enterprise do after all co., LTD., contribution,The villages and towns bank is mixed.

　　同时，四川彭州民生村镇银行等已经出现民营企业转让股权。多家村镇银行民企股东认为，村镇银行经营规模小，经营状况远未达到参股预期。同时，民企参股本为获得控股权，但控股无望且被排斥在日常经营管理之外，让民营企业股东心生去意。

At the same time,Sichuan people's livelihood bank pengzhou village has been private enterprise transfers equity.Several villages and towns bank corporation shareholders think,Bank villages and towns management in small scale,Operating status far from expected to participation.At the same time,Corporation participation this for gain a controlling interest,But holding hopelessness and excluded from outside daily management,Let the private enterprise shareholder mind does.

　　在吴大鸣看来，发起行及董事会授权是否充分、权利和监督是否到位，对村镇银行的发展至关重要，“一些村镇银行场地小，人员少，就像一家银行的分支机构，而不像是一家独立的银行法人机构。”“独立银行法人，这个资源来之不易，应该要把它用足用活。”

In WuDaMing seems,Launch line and the board of directors authorized the sufficient/Rights and supervision are put in position,The development of bank of villages and towns is very important,"Some towns bank site small,Personnel less,Like a bank branches,And don't look like an independent bank corporation organization.""Independent legal person bank,The resources don't come easy,Should put it in the living foot."