温州金改：不怕“两多” 就怕“一少”

Wenzhou gold change:Not afraid"More than two" They were afraid"A little"

　　■贺 骏

S royal jun

　　日前发布的《浙江省温州市金融综合改革试验区实施方案》被视为是温州金改的落地之举。方案提出，金融改革以打造“中小企业金融服务中心”和“民间财富管理中心”为重点，落脚点则在着力破解温州市经济金融发展中存在的中小企业多但融资难、民间资金多但投资难的“两多两难”问题，构建多元化金融体系。

Recently released[Zhejiang wenzhou financial comprehensive reform pilot implementation plan]Be regarded as wenzhou gold to be born of the lift.Is presented,Financial reform to create"Small and medium-sized enterprise financial services centre"and"Folk wealth management center"As the key,The foothold is in focus on crack wenzhou economic and financial existing in the development of small and medium-sized enterprise and financing difficulties/The folk capital and investment difficult"Two more dilemma"problems,Construct diversified financial system.

　　以笔者见，所谓“两多两难”的问题其实与“两多”关系不大，本质上仅是“两难”的问题——即“融资难、投资难”，而两多（中小企业多、民间资金多）不仅不是问题，相反倒是最大的优势。因为，不论是哪个地区甚至是国家，都希望所辖区域的中小企业越多越好，民间财富越多越好。即便如美国，尽管有苹果、微软、谷歌、通用等巨无霸企业，但是支撑经济和就业的主力还是大量的中小企业。中国改革发展至今，实际上也是在一步步放开中小企业及允许私有财产和藏富于民的。

Based on the author saw,The so-called"Two more dilemma"As a matter of fact and"More than two"Concern is not big,Essence is only"dilemma"Problem - namely"Financing difficult/Investment difficult",And more than two(More small and medium-sized enterprise/Folk capital more)Not only is not a problem,Instead it is the biggest advantage.because,No matter which region and even countries,All hope that the area of small and medium-sized enterprise the more the better,Folk wealth the more the better.Even if the United States,Despite the apple/Microsoft/Google/General big MAC enterprise,But support the economy and employment of the main or a large number of small and medium-sized enterprises.Since China's reform and development,In fact is in step by step let go of small and medium-sized enterprises and allow private property and Tibetan abound of people.

　　因此可以说，温州甚至是全国的问题，就是“两难”的问题。只有“两难”少了，“两多”才能更多——中小企业蓬勃发展、民间资本良性循环。

So can say,Wenzhou and even the national problems,is"dilemma"problems.only"dilemma"less,"More than two"Can more -- small and medium-sized enterprise vigorous development/The folk capital benign circulation.

　　解决“两难”问题，主要抓手在于顶层设计。温州作为试点，自然是要摸着石头过河，但是摸到了前面的石头，让不让踩上去，让不让其他地区效仿，还需要更高层面的批示。应该说，温州金改的前进步伐已经不慢了，但是在目前的经济形势下，紧迫感还是要有的。因为，解决“两难”的目的是为了两多中的一多——大量的中小企业。如果这个“一多”变成了“一少”——只有很少的中小企业了，那么“两难”即便解决了，意义也不大了。

solve"dilemma"problems,Main gripper is top design.Wenzhou as a pilot,Nature is to crossing the river by groping the stone,But touch to the front of the stone,Let step on it,Let other areas to follow,Still need to higher levels of instruction.Should say,Wenzhou gold change of pace is not slow,But in the present economic situation,Sense of urgency or some.because,solve"dilemma"The purpose is to one of the two more - a large number of small and medium-sized enterprises.If the"More than a"became"A little"-- only a few small and medium-sized enterprise,so"dilemma"Even solve the,The meaning is not large also.

　　那么，“一少”的情况在什么情况下会发生呢？一是“两难”解决的太慢，大量中小企业因撑不下去而关张，二是“两难”的解决对其中“一多”——民间资金多的效益更大，大量沉积在中小企业的产业资本转向了金融，做实体经济的中小企业越来越少，事实上，由于信息公布相对透明，这种趋势在江浙一带的上市公司中已见一斑。

so,"A little"In what circumstances will happen?One is"dilemma"Solve slow,A large number of small and medium-sized enterprise for shore not go down and close down,The second is"dilemma"To solve the"More than a"-- the folk fund much more benefit,A large number of deposition in the small and medium-sized enterprise industry capital to finance,Do the real economy of small and medium-sized enterprise less and less,In fact,Because information published relatively transparent,This trend in the jiangsu and zhejiang area in the listed companies already see one spot.

　　因此，温州金改应该如同人的手术一样，要实时监控着“中小企业数量”这个“心电图”。电影《一声叹息》中葛优有句台词可堪借用：别等贼心贼胆都有了，贼又没了。

therefore,Wenzhou gold change should be as a man of surgery,To the real-time monitoring"Small and medium-sized enterprise quantity"this"electrocardiogram".The movie[A sigh]In GeYouYou lines can be me borrow:Don't wait evil designs a thief bravery have,Thief and didn't.