每日经济新闻(博客,微博)记者 徐超 发自浙江

Daily economic news(blog,Micro bo)Reporter XuChao from zhejiang

　　作为温州金改其中一项实质性工作的“温州民间融资综合利率指数”（即“温州指数”），在经历8个多月的规划后，于今天（12月7日）正式对外发布。

Wenzhou gold change as one of the actual work"Wenzhou folk financing comprehensive rate index"(namely"Wenzhou index"),After eight months after the plan,In today(On December 7,)Officially released.

　　《每日经济新闻》记者从温州市金融办获悉，目前“温州指数”的发布时间暂定为每周发布一次，初期以“利率价格”的形式先行发布，下一步将逐步进行完善。

[Daily economic news]Reporters from wenzhou financial to do that,At present"Wenzhou index"By the time a week for a temporary release,In first stage"Rates price"The first release form,The next step will gradually perfect.

　　11月23日，温州公布《浙江省温州市金融综合改革试验区实施方案》的12条实施细则。开篇第一条实施细则就是“规范发展民间融资”，其中提到，要建立健全民间融资监测体系，形成民间融资综合利率指数，即俗称的“温州指数”。温州市金融办主任张震宇当时在发布会上称，温州指数11月底或12月初肯定要对外发布，从每周一次逐渐缩短到实时发布。

On November 23,,Wenzhou announced[Zhejiang wenzhou financial comprehensive reform pilot implementation plan]Article 12 the detailed rules for the implementation.The detailed rules for the implementation of the first article is"Regulate the development of folk financing",The mentioned,To establish and perfect the folk financing monitoring system,Formation of folk financing comprehensive rate index,Is commonly known as the"Wenzhou index".Wenzhou financial do ZhangZhenYu director at conference said,Wenzhou index by the end of November or December must be released,From once a week to gradually shorten the real-time release.

　　温州市金融办工作人员告诉《每日经济新闻》记者，做好民间融资动态跟踪和风险预警，是温州金融综合改革的一项重要任务，因此，温州对于“温州指数”的推出，采取了慎之又慎的态度。温州市金融办方面表示，“温州指数”的编制工作于今年4月开始规划，经过前期准备、专家论证、数据采集、计算分析及验证调整后，已基本建立一套规范、科学的指数监测体系。作为反映民间融资价格的指标体系，“温州指数”初期将以“利率价格”的形式先行发布，今后将进一步拓展指数内涵，构建并发布能满足市场多方需求的“温州指数”指标体系。

Wenzhou financial do staff told[Daily economic news]reporter,Do folk financing dynamic tracking and risk early warning,Wenzhou financial comprehensive reform is an important task,so,Wenzhou for"Wenzhou index"launch,Take the attitude of the transactions.Wenzhou financial do said,"Wenzhou index"Preparation work in April planning,After preparation/The expert argumentation/Data acquisition/Calculation and analysis and verification after adjustment,Has been basically established a set of guidelines/Scientific index monitoring system.As reflect folk financing price index system,"Wenzhou index"Initial will be"Rates price"The first release form,The future will be further development index connotation,Build and release can satisfy the market demand"Wenzhou index"Index system.

　　据悉，目前“温州指数”共有监测点约350个，涉及小额贷款公司、民间资本管理公司、民间借贷服务中心、实体企业、部分民间借贷委托监测点以及典当行等其他市场主体。每周收集的监测样本将近1000笔，均以当周实际发生的业务（即流量）为准进行采集，样本的时效性和真实程度高，既包括民间直接借贷的样本、又包括民间各类不同市场主体借贷的样本，基本上涵盖了民间融资市场各类参与主体和各种借贷行为。

It is reported,At present"Wenzhou index"There are about 350 monitoring stations,Small loan companies involved/The folk capital management company/Folk lending service center/Entity enterprise/Part of the folk lending entrust monitoring point and the pawnshop and other market main body.Weekly collection of monitoring sample nearly 1000 pen,All week in actual business(Of flow)Acquisition shall prevail,Sample the timeliness and real degree is high,Both folk direct lending sample/And including different kinds of folk loan market main body of the sample,Basically covers all kinds of folk financing market participation main body and various lending practices.

　　根据温州金融办提供的最新监测结果显示，11月26日至11月30日，温州民间融资综合利率指数为21.43%（即平均月息1分78），环比下降0.56个百分点。其中：借贷服务中心登记的利率为13.64%（即平均月息1分13），环比下降3.69个百分点；小额贷款公司放款利率为20.61%（即平均月息1分72），环比下降0.03个百分点；民间资本管理公司放款利率为20.57%（即平均月息1分71），与上周保持一致；社会直接融资利率为16.15%（即平均月息1分34），环比下降0.39个百分点；其他市场主体利率为30.12%（即平均月息2分51）,环比下降0.24个百分点。

According to the wenzhou financial do provide the latest monitoring results show that,On November 26, to November 30,,Wenzhou folk financing comprehensive rate index was 21.43%(That is mean monthly interest 1 78),Link fell by 0.56%.the:Lending service center to register interest rate is 13.64%(The average monthly interest is 1 minute then),Link fell by 3.69%;Small loan company loan interest rate is 20.61%(That is mean monthly interest 1 72),Link fell by 0.03%;The folk capital management company loan interest rate is 20.57%(That is mean monthly interest 1 71),Consistent with the last week;Social direct financing interest rate is 16.15%(The average monthly interest is 1 minute 34),Link fell by 0.39%;Other market main body interest rate is 30.12%(That is mean monthly interest 2 points 51),Link fell by 0.24%.

　　11月23日，在温州金改实施细则的发布会上，温州市金融办主任张震宇曾表示，“温州指数”编制与发布的目的，是为了及时准确地反映民间融资市场资金价格趋势和波动情况，预警提示民间金融风险，为温州乃至全国民间金融市场提供一个“风向标”，进而改善和优化民间融资市场资源配置，引导民间资本走向规范化和阳光化。作为一项系统性和长期性工程，“温州指数”编制是需要一个不断完善、不断修正的过程。

On November 23,,In wenzhou gold detailed rules for the implementation of the change of the conference,Wenzhou financial do ZhangZhenYu director said,"Wenzhou index"The purpose of the preparation and release,In order to timely and accurately reflect the folk financing market capital price trend and fluctuations,Warning prompt folk financial risks,And even the whole country for wenzhou folk financial markets provide a"vane",And then to improve and optimize the folk financing market allocation of resources,Guide the folk capital to standardization and sunshine change.As a systemic and long-term project,"Wenzhou index"Preparation is need a continuous improvement/The process of revising.

　　“温州指数”主要由四部分组成：一是由温州市设立的几百家企业测报点，把各自借入的民间资本利率通过各地方金融办不记名申报收集起来；二是对各小额贷款公司借出的利率进行加权平均；三是融资性担保公司如典当行在融资过程中的利率，由温州经信委和商务局负责测报；四是民间借贷服务中心的实时利率。

"Wenzhou index"Mainly consists of four parts:One is established by wenzhou hundreds of enterprise CeBaoDian,The respective borrowed folk capital interest rate through the local financial do not registered declare collected;The second is the small loan company loan interest rates for the weighted average;The third is financing guarantee company such as impawn financing in the process of interest rate,The letter by wenzhou committee and commercial bureau is responsible for telemetry;The fourth is the folk lending service center of interest rate in real time.

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