在千呼万唤中，《浙江省温州金融综合改革实施细则》（以下简称《细则》）终于露出真容。11月23日，温州市政府全文公布细则内容。这份备受瞩目的《细则》全文共12条，与今年3月28日金改区获国务院批准设立之际发布的《浙江省温州市金融综合改革试验区总体方案》的12条对比，《细则》稍显具体，但与此前温州市政府上报的方案相比则并没有太多变化。

actively,[Zhejiang wenzhou financial comprehensive detailed rules for the implementation of the reform](Hereinafter referred to as[rules])Finally show ZhenRong.Nov. 23,,Wenzhou government announced rules content.The high-profile[rules]Full text article a total of 12,And this year on March 28, gold change area was approved by the state council released the[Zhejiang wenzhou financial comprehensive reform pilot area overall scheme]Article 12 contrast,[rules]Slightly specific,But with the previously reported lukewarm state municipal government scheme is compared and not too much change.

　　在政策松动前夜，温州8000亿元以上的民间资本依旧在苦苦寻找释放的闸口。

In the policy loose eve,Wenzhou folk capital 800 billion yuan is still looking for release of gate.

　　有创新但突破不足 Creative but insufficient breakthrough

　　“有创新，但没有大的突破。”11月23日民进中央经济委员会副主任、温州管理科学研究院院长、温州中小企业促进会会长周德文在接受《中国企业报》记者的采访时如此表示。他认为《细则》有可圈可点的地方，也有不足和遗憾的方面。他说，比如创新发展金融产品与服务发展地方资本市场，尽管有的以前温州乃至浙江都在做，但是《细则》涉及的范围更广。

"creative,But there is no big breakthrough."On November 23, deputy director of the economic commission of the central committee of the China/Wenzhou management science research institute President/Wenzhou small and medium-sized enterprises promotion association President ZhouDeWen in accepting[Chinese enterprises to]Reporter's interview said.He thinks[rules]The place had moments,Also has the insufficiency and regret aspects.He said,Such as the innovation and development of financial products and services development of the local capital markets,Although some before and even wenzhou of zhejiang are doing,but[rules]Involves a wide range.

　　《细则》在创新发展金融产品与服务里面指出，要积极发展科技贷款、小额担保贷款、经营权质押贷款、股权质押贷款、知识产权质押贷款、林权抵押贷款、海域使用权抵押贷款等支农支小信贷业务。积极探索试点排污权抵押贷款、农房抵押贷款、土地承包经营权抵押贷款、农业设施及农业机械抵押贷款。

[rules]In the innovation and development of financial products and services it points out,To actively develop the science and technology loans/Small assure loan/Right of pledge loan/Equity pledge loan/Intellectual property rights pledge loan/Forest right mortgage/Right to use sea areas shall mortgages and other support a little credit business.Actively explore pilot of pollution-discharge right mortgage loans/Crackage mortgage/The contracted management of land mortgage loans/Agricultural facilities and agricultural machinery mortgage loans.

　　周德文告诉《中国企业报》记者，农村宅基地的抵押，由于农村土地是集体土地，没有产权证明，所以无法交易，也就无法抵押贷款，但这次《细则》专门涉及了，接下来就是如何操作的问题了。

ZhouDeWen tell[Chinese enterprises to]reporter,The task of mortgage,Because of the rural land is collective land,No certificate of property title,So I can't deal,Cannot mortgage loans,But this time[rules]Special involved,The next step is how to operate a problem.

　　而在培育发展地方资本市场方面，《细则》第一次提出要设立如此多的本土化的产权交易市场，这也是温州历史上从来没有的。另外，个人境外直接投资试点，事实上两年前，温州就曾经提出要开展个人境外投资试点，但一度被叫停，《细则》允许个人在境外直接投资，有利于拓宽温州民间资本投资渠道，引导民资合理合法“走出去”。

And in the development of the local capital markets,[rules]First put forward to set up so many of the localization of property rights trading market,This also is wenzhou history never.In addition,Personal foreign direct investment pilot,In fact two years ago,Wenzhou once offered to carry out personal overseas investment pilot,But once have been stopped,[rules]To allow individuals in overseas direct investment,To broaden the wenzhou folk capital investment channels,What was the guide reasonable legal"Go out".

　　利率市场化有望松动 Interest rate marketization is expected to loose

　　《细则》对于民众一直期待的利率市场化没有提及。但《细则》中，规范发展民资指出，建立健全民间融资监测体系，形成民间融资综合利率指数（也称“温州指数”），此举被民间视为利率市场化开启的信号。

[rules]For people have been looking for interest rate marketization did not mention.but[rules]in,What was the standard development pointed out,Establish and perfect the folk financing monitoring system,Formation folk financing comprehensive rate index(Also called"Wenzhou index"),It was folk as interest rate marketization open signal.

　　而周德文在接受《中国企业报》记者采访时也透露，明年浙江省两会后，民间借贷利率会有所突破。他告诉记者，目前，由温州政府制定的《浙江省民间借贷管理条例》已经报送浙江省人大，正在走立法程序，预计明年浙江省两会后会批准。他预测，该《条例》经立法批准生效后，短期的，也即3个月以内的民间借贷利率可能会突破银行基准利率4倍的界限。

And ZhouDeWen in accepting[Chinese enterprises to]A reporter to interview also revealed,Zhejiang province after two next year,Folk lending rate will be a breakthrough.He told reporters,At present,Wenzhou by government rules[Zhejiang folk loan management regulations]Zhejiang province has been submitted to the National People's Congress,Walking the legislative process,Next year is expected to zhejiang province after two meetings will be approved.He predicted,this[regulations]The legislative approval after effect,short-term,Namely within 3 months of folk loan rates may break the bank's base rate limit of four times.

　　据悉，早在今年全国两会期间，周德文就向全国人大法工委立法室、中国人民银行政策研究室、民进中央参政议政部等方面递交了建议国家对民间借贷进行立法的报告。此间，由他起草的《中华人民共和国民间借贷法》立法建议稿引起了广泛关注。

It is reported,As early as in this year's sessions,ZhouDeWen to the National People's Congress FaGongWei legislative chamber/The people's bank of China policy research/The central committee of the China participating politics department, etc to submit the suggestion to the folk lending countries legislate report.here,He drafted by[Law of the People's Republic of folk loan method]The proposal draft legislation has caused wide public concern.

　　而温州鹿城捷信小额贷款公司总经理符加嵘则不看好这一点。他坚持认为，民间根本就不需要市场利率化。他告诉《中国企业报》记者，民间借贷在实际操作中，银行基准利率的4倍界限其实早就突破了。4倍的界限无非是借贷双方引起纠纷时的一个法律依据。事实上，民间借贷的利率是借贷双方约定的，如果出借人觉得月息没有3分甚至5分就不合算，那他就不会把钱放出来，反过来，如果借款人觉得这个利息太高了，自然他就放弃借了。另外，如果民间资金充裕，借款不是那么难，利息自然会下降。“市场就是利率最好的杠杆。”

Wenzhou lucheng the jie letter petty loan company general manager FuJiaRong do not value it.He insisted that,Folk don't need market interest rates change.He told[Chinese enterprises to]reporter,Folk lending in practice,Bank benchmark interest rate 4 times the limit in fact already broke through.Four times the limit is nothing but lending the disputes caused by a legal basis.In fact,Folk loan interest rate is agreed by both parties lending,If the lender think monthly interest no 3 points even five points is not economical,He won't put money out,In turn,If the borrower think this interest is too high,Natural he give up borrowed.In addition,If folk abundant funds,Money is not so difficult,Interest will naturally decline."Market interest rate is the best leverage."

　　小贷公司放弃转制银行 Small credit company give up the conversion of the bank

　　曾为新中国成立后第一家钱庄的老板——“方兴钱庄”的创办人、温州方兴担保有限公司董事长方培林在接受《中国企业报》记者的采访时表示，让他感到遗憾的是，小额贷公司门槛依然比较高。他告诉《中国企业报》记者，2008年，银监会颁布的《关于小额贷款的试点指导意见》明确指出，小额贷款公司是由自然人、企业法人和其他社会组织组成，但现在基本是大企业在做。

Once for after the founding of the first a native bank boss --"FangXing Banks"The founder of the/Wenzhou FangXing guarantee co., LTD., chairman of the board FangPeiLin in accepting[Chinese enterprises to]Reporter's interview said,Let him feel it is a pity,Small credit company threshold is still high.He told[Chinese enterprises to]reporter,In 2008,,Promulgated by the banking regulatory commission (CBRC)[On microfinance lending pilot guidance]Explicitly pointed out,Small loan is a natural person/An enterprise as a legal person and other social organizations composition,But now the basic is big business in do.

　　而符加嵘关注的是小额贷转村镇银行的问题。他在接受《中国企业报》记者采访时表示，《细则》对于小额贷转村镇银行没有提及，说明没有大的改革，还是按照以前政策规定实施，也即由银行作为发起人。据符加嵘透露，他们从相关渠道获得的信息显示，政府还是担心银行不作为主发起人的风险把控问题，这个口子估计短期内不会开。

And FuJiaRong concern is small credit turn town bank problems.He told[Chinese enterprises to]A reporter to interview said,[rules]For small loans turn town bank did not mention,Show that no big reform,In accordance with the implementation of the provisions of the policy or before,Namely the bank as a promoter.According to FuJiaRong revealed,They from the relevant sources in the information display,The government is concerned that bank as the main promoter of the risk control problem,The cut estimation in the short term will not open.

　　尽管如此，温州的小额贷还是取得了不俗的业绩。据悉，目前温州已经开业的小贷公司一共有30家，发放的贷款余额超过了120亿元。

Even so,Wenzhou's small credit or achieved good performance.It is reported,Now wenzhou has been started small loan companies a total of 30,The balance of loans to more than 12 billion yuan.

　　不过，此番实施细则出台后，很多小额贷款公司却表达出了“放弃”的意愿。

but,The detailed rules for the implementation of the "more,A lot of small loan companies have expressed the"Give up"will.

　　瑞安华峰小额贷款股份有限公司已经将公司的发展方向从转制村镇银行上转移到做一家民间融资的百年老店。

Ryan huafeng small loan co., LTD. Has the development direction of the company from the conversion of the villages and towns on the bank transfer to do a folk financing one hundred years old.

　　而早在温州金改启动之初，在温州金融综合改革试验区座谈会上，瑞安华峰当时的表态则是：下一步将系统筹划逐步推进，争取第一个改制成为村镇银行。

And as early as in wenzhou gold changed at the beginning of the start,In wenzhou financial comprehensive reform pilot area symposium,Ryan huafeng the statement is:The next step will gradually advance the system planning,For the first changed into a town bank.

　　短短几个月，小贷公司的态度竟会天壤之别。“主要是银监会没有对村镇银行进行松绑或者是放权。”周德文介绍说，此前银监会坚持强调对村镇银行要有金融机构作为主发起单位。这在周德文看来“是不公平的。”

Just a few months,Small credit company attitude should a world of difference."Mainly is the banking regulatory commission (CBRC) no town bank relax or is decentralization."ZhouDeWen said,Previous to emphasize the banking regulatory commission (CBRC) adhere to the village bank to have financial institutions as the main launch unit.In this ZhouDeWen looks"Is not fair."

　　“这让小贷公司对转成村镇银行逐步失去信心，也让他们感到没有意义。”周德文直言。

"It makes little credit company for into town bank gradually lose confidence,Also let them feel no significance."ZhouDeWen the truth.

　　业界呼吁再细化细则 The industry calls for refinement rules again

　　 推迟了两个月公布的实施细则仍然让民间资本有点摸不着门道，“到底怎么进？”

Delayed two months of published detailed rules for the implementation of the folk capital still make somewhat confusing gate,"What into?"

　　“不能说细则完全达到大家的预期，尤其对民间资本的预期还是有一定的差距。”周德文告诉记者，关键是对于金改的核心问题没有突破，比如民间资本直接进入金融领域、比如筹建民营银行等方面，在实施细则上几乎没有提及，“等于还是进入不了。”

"Can't say rules completely to everyone's expectations,Especially for the folk capital expected or have a certain gap."ZhouDeWen told reporters,The key is the core problem for gold change no breakthrough,Such as the folk capital directly into the financial sector/Such as the private bank, etc,In the detailed rules for the implementation of the almost did not mention,"Is equal to or can't enter."

　　“如果严格按照细则执行，有序推进，应该对实体经济是有利的，对破解中小企业融资难、融资贵是有利的。”周德文话锋一转，抛出了一连串的问号。“问题是现在的实施细则还不够细，各界认为细则还是原则性的，怎么操作呢？比如，个人资本海外直投怎么申请，什么条件转入；比如，设立证券公司信托公司地方性保险公司怎么转入，什么样的条件可以筹建，这些都没有明确的规定，也没有操作的规程。让大家觉得还是无以适从，怎么进入还不知道，根据这些实施细则再做单项的操作规程，这样才能更好地操作、更好地推进。”

"If in strict accordance with the rules for implementation,Orderly propulsion,Should be to the real economy is advantageous,To break the financing of small and medium enterprises difficult/Financing your is beneficial."ZhouDeWen topic of conversation a turn,Throw out a series of question marks."The problem is now the detailed rules for the implementation of the fine enough,All think rules or principle,How to operate??For example,Personal capital overseas straight for how to apply for,What conditions into;For example,Setting up a stock company trust company local insurance company how to turn to,What conditions can preparation,These are not clearly defined,Also does not have the operation procedures.Let everybody feel or beyond optimum from,How to get into still don't know,According to these detailed rules for the implementation of the individual to do the operation procedures,In order to better operation/Better promote."

　　周德文说，“现在很大一部分民间资本都在等着操作细则。如果没有实质，民间资本仍通过地下钱庄或者管道带到国外投资，于国于民都是不利的。希望这个马上就能阳光化、规范化。”

Messina said,"Now a big part of the folk capital are waiting to operating conditions.If there is no substantial,The folk capital still through the underground Banks or pipe to foreign investment,In the country to people is adverse.Hope this'll be able to change the sun/standardization."