民间借贷“风波”打破了温州财富市场的平静，财富也瞬间缩水蒸发；不过，随着温州金改的稳步推进，“改革救赎”被提上日程。在温州重构“二元金融”生态的同时，温州人的内心也发生着微妙的变化，创伤愈合的过程让投资者能够以更理性的思考看待财富的增长与传承。

Folk lending"storm"To break the wenzhou wealth market calm,Instant wealth shrink evaporation;but,With the change of wenzhou gold steadily,"Reform redemption"Was put on the agenda.In wenzhou reconstruction"Binary financial"Ecological and,Wenzhou people's heart has also undergone a subtle change,The process of wound healing to investors in a more rational thinking to see the growth in wealth and inheritance.

　　⊙记者 邹靓 ○编辑 于勇

⊙ reporter ZouJing ○ editor in yong

　　12月初，温州的大街小巷正谈论着热播电视剧《温州一家人》，这部以温州一户普通人家的草根创业史反映改革开放30年时代变迁的独播大剧，“赚足了全国观众的眼球，也赚尽了温州人的眼泪”。

Early December,Wenzhou's streets were talking about popular television dramas[Wenzhou family],The wenzhou to an ordinary family grassroots reflect history of 30 years of reform and opening-up era change was the big play,"Earn enough the audience's eye,Earn all the tears".

　　上世纪80年代温州地区以家庭工业和专业化市场方式发展非农经济，开创了小商品、大市场发展格局的“温州模式”，“温州”这一名词的含义就不再局限于浙南一市的地理概念。在国人心里，“温州”代表了草根创业的精神，代表着浙商情怀，也象征着从无到有的财富，以及发现财富机会的敏锐嗅觉。

In the 1980 s in wenzhou in domestic industry and professional development of non-agricultural economy market way,Opened commodity/Big market development pattern"Wenzhou mode","wenzhou"The meaning of the term is no longer limited to the southern city of a geographical concept.In the people heart,"wenzhou"Represents the grassroots the spirit of the entrepreneur,On behalf of the zhejiang business feelings,Is also a symbol of wealth from scratch,And found wealth opportunity keen sense of smell.

　　从温州打火机到义乌小商品，从温州劣质鞋到欧洲品牌鞋代工，从温州民间借贷到温州炒房团，温州人总能以一种无所畏惧的“草莽”闯劲真实的获取价值财富。如今，“温州模式”已经从家庭小作坊式的初级加工转向家族企业的现代化管理，在完成了最初的资本积累之后，他们努力在制造业以外发现市场机会，进行财富的二次创造。

From wenzhou lighter to yiwu small commodity,From wenzhou inferior shoes to Europe brand shoes OEM,From wenzhou folk lending to form a group of wenzhou,Wenzhou people can always with a kind of have no fear"Outlaws of"Pioneering spirit true value for wealth.now,"Wenzhou mode"From the small family has a well-run primary processing to the modernization of the family enterprise management,Upon completion of the initial accumulation of capital later,They are trying to be found outside in manufacturing market opportunities,The wealth in the second creation.

　　2011年8月的民间借贷“风波”打破了温州财富市场的平静，几乎每天都有温州老板跑路、温州企业倒闭的消息散播开来，随之而来的是财富在瞬间缩水蒸发。

In August 2011, folk lending"storm"To break the wenzhou wealth market calm,Almost every day wenzhou boss run road/Wenzhou belly up news spread,Along with the wealth in an instant shrink evaporation.

　　2012年3月28日，国务院第197次常务会议决定设立温州市金融综合改革试验区，“改革救赎”被提上日程。在温州重构“二元金融”生态的同时，温州人的内心也发生着微妙的变化，创伤愈合的过程让投资者能够以更理性的思考看待财富的增长与传承。时代变迁给温州带来的创富故事，也将以改革推进的方式延续下去。

In March 2012, and day,197 the state council executive meeting decided to set up wenzhou financial comprehensive reform pilot area,"Reform redemption"Was put on the agenda.In wenzhou reconstruction"Binary financial"Ecological and,Wenzhou people's heart has also undergone a subtle change,The process of wound healing to investors in a more rational thinking to see the growth in wealth and inheritance.Times change brought to wenzhou adhering to the story,Also will be reform way to continue.

　　草莽年代：“跑路潮”唤醒全民PE梦 Greenwood s:"Run road tide"Wake up the dream PE

　　发达的民间借贷支撑了温州经济顺利运行，也让资金持有者习惯了通过民间渠道而非正规金融实现财富保值增值。不过，“跑路潮”的出现打破了这种循环。

Developed folk lending support the wenzhou economy running smoothly,Also let stakeholders accustomed to through the folk channel and informal financial to realize the value of wealth.but,"Run road tide"Appearance has broken this cycle.

　　老周50岁出头，在温州市龙湾区经营一家小型鞋厂已经十多年，厂里工人有三四十人。厂里的鞋都是出口欧洲的贴牌代工，年头好的时候，纯利能有上百万。老周说，在温州，像他这样的家庭制鞋作坊有几千家，同一个区县的同行大多都认识。

Lao zhou fifty s,In wenzhou LongWanOu runs a small shoes factory has more than ten years,Factory workers has people.The factory shoes are export European OEM OEM,Year good,Millions of net profit.Lao zhou said,In wenzhou,Like he such family shoemaking workshop thousands of home,The same area county peers mostly know.

　　老周在圈里算个老实人，不抽烟不喝酒，但是在放贷这件事儿上，却也免不了要掺和一脚。说起2011年的民间借贷风波，老周至今心有余悸。“以前我们这儿跟会集资是常有的事儿，一家拿个几十万跟会都不当回事儿。一开始是哪家生意上缺钱了，问亲戚朋友借一借，后来是出去的人有好的门路，大家也跟着收收利息发发财。谁也没想到一下子跑了那么多大老板，我托小舅子放出去的180万元差点就没拿回来。”

Lao zhou in circles is an honest man,I neither smoke nor drink,But in lending on it,But also avoid to work into a foot.About 2011 years of folk loan storm,Lao zhou was so far."Before we here and will fund raising is often the business,A take a hundreds of thousands of and will not happened.Start a business which is lack of money,Ask friends and relatives borrow a borrow,Later is out good opportunities,We also follow the charge interest hair make a fortune.Who also have never thought suddenly ran so much the boss,My wife's younger brother has put out 1.8 million yuan almost didn't take back."

　　老周的小舅子是个“有门路”的人，经常帮忙撮合资金借贷，有事没事就在小额贷款公司、典当行进出，俗称“拉皮条”。去年年初，他给一个上家集了2000万元的短期资金，老周的180万元就在其列。直到现在，老周也没搞清楚当时这钱是借给了谁。

Lao zhou's wife's younger brother is a"Have a way out"people,Often help bring together money lending,Have nothing in small loan companies/Hock travel out,Commonly known as"pander".At the beginning of last year,He gave a set of the last 20 million yuan of short term capital,Lao zhou 1.8 million yuan in the column.Until now,Lao zhou also didn't know that when the money is who lent.

　　像老周这样“懵懂”的借款人不在少数，但是能谨慎到不受损失的却不多。国际金融危机以来，山西煤改、迪拜危机、楼市限购、股票暴跌逼着温州人把“漂流在外”的钱回流温州，当地的民间借贷利率水平曾一度连创历史新高，达到月息一角五，即年利180%。

Such as Lao zhou"ignorant"The borrower is not a few,But can be careful to not lose but not much.Since the international financial crisis,Shanxi coal to/Dubai crisis/Property market is restricted/Stocks tumbled forced the wenzhou people"Drift out"Money return wenzhou,The local folk lending interest rates once even a record,A monthly interest to five,That is 180% annual interest.

　　温州中小企业发展促进会会长周德文说，在跑路重灾区温州龙湾区永强镇，去年8月一个月就有20多起“跑路”事件，涉资10亿元以上的“老高”跑了3个，在温州民间金融史上，如此规模的“跑路”实属罕见。

Wenzhou small and medium-sized enterprise development council for the promotion of messina President said,In the run road wenzhou LongWanOu areas and strong town,Last August a month to have more than twenty up"Run road"events,Information in 1 billion yuan"high"Run 3,In wenzhou folk JinRongShi on,On such a scale"Run road"rare.

　　而这一切的根源，远非宏观经济和商业环境的恶化能够解释。在独特的经济发展时期，温州形成了现代正规金融与民间非正规金融并存的“二元金融”特征，温州现有的30-40万家中小企业中，真正能够从正规金融体系融到资的不足20%，80%的企业需要通过民间借贷来解决资金问题。发达的民间借贷支撑了温州经济顺利运行，也让资金持有者习惯了通过民间渠道而非正规金融实现财富保值增值。

And all these roots,Far from macro economic and commercial the deterioration of the environment to explain.In the unique economic development period,Wenzhou formed the modern formal financial and folk informal financial coexist"Binary financial"characteristics,Wenzhou existing 30 - thousands of small and medium-sized enterprises,True to the formal financial system DaoZi harmony of less than 20%,80% of the enterprise need through the folk lending to solve the problem of funds.Developed folk lending support the wenzhou economy running smoothly,Also let stakeholders accustomed to through the folk channel and informal financial to realize the value of wealth.

　

　一次生动的投资者教育：投资心态回归理性 A vivid investor education:Investment return to rational attitude

　　民间借贷风波是一次很好的投资者教育。最近一年投资者心态发生了很大变化，慢慢开始接受在稳健基础上追求相对回报的投资理念，他们对投资的深入理解降低了回报预期，越来越多的客户偏好本金安全、稳定回报的产品。

Folk loan storm is a very good investor education.A recent years investors mentality has changed greatly,Slowly began to accept on a steady basis pursuit of relative return investment philosophy,Them to a better understanding of the investment to reduce the expected return,More and more customers preference principal safety/Stable return products.

　　在业内人士的眼中，温州民间借贷盛行的这一时期被视作“全民PE时代”。大部分温州人都曾有过如《温州一家人》中周老顺一般草根创业的经历，不论是点滴积累的第一桶金，还是来自房地产市场、民间借贷市场的第二桶金，从机会发掘到实施操作，都由资金持有者自己操控。

In the eyes of the personage inside course of study,Wenzhou folk lending in this period was considered"National PE era".Most of the wenzhou people had such as[Wenzhou family]In the general ZhouLao grassroots entrepreneurial experience,Whether the accumulation of a bit first bucket of gold,Or from the real estate market/Private lending market the second pot of gold,From the opportunity to explore to implement operation,All the stakeholders themselves control.

　　“温州人在本质上并不愿意把钱财交给别人打理，即便是在环节众多的民间借贷链条中，资金持有者仍然坚信自己的钱该由自己来决定去向”，在诺亚财富温州财富管理中心副总经理施程亮看来，要从温州人口袋里挣到钱，比在其他地方要难得多。

"Wenzhou people in essence is not willing to put the money to other people do,Even in the link in the chain of folk loan,Stakeholders are still firmly believe that their own money by themselves to decide the go",Noah wealth in wenzhou wealth management center, deputy general manager of the ChengLiang shi looks,People from wenzhou pocket money,Than in other places to more rare.

　　“温州客户的风格和其他地方有明显的不同，即便是和台州、宁波等浙江地级市的客户相比，也要明显激进很多。”施程亮告诉记者。

"Wenzhou customer's style and other places have obvious difference,Even and taizhou/Ningbo, zhejiang places than customers,Also want to clear a lot of radical."Shi ChengLiang told reporters.

　　在2007年-2009年期间，温州地区最为盛行的是PE及二级市场投资，诺亚温州也曾针对中高端客户举办过PE业务讲解展示。“有两件事我印象很深刻，一是温州的客户只听他感兴趣的话题，如果不对胃口他是不会浪费时间继续听的，这在其他地区分公司并不多见；二是当时民间借贷信用情况还很好，对于第三方给出了投资方案客户的兴趣并不大，年化收益10%以下的项目（客户）根本不会看，20%以上才有吸引力。”施程亮颇有些无奈得说。

In 2007-2009 period,Wenzhou region's most popular is PE and the secondary market investment,Noah wenzhou has the development of the high-end customer held PE business interpretation display."There are two things I very impressive,One is the wenzhou customers only listen to what he is interested in the topic,If no appetite he is not a waste of time to continue to hear,This in other areas branch does not see more;The second is when folk credit situation is still very good,For the third party gives the investment projects in the interests of their clients is not big,Annualised income below 10% of the project(customer)Don't see,More than 20% just attractive."ChengLiang was quite some but have to say.

　　时隔三年，温州的财富市场已经是另外一番光景。

After three years,Wenzhou property market is also a scene.

　　受国际金融危机的影响，温州等地对外出口遭受重创。温州中小企业集中分布的100多个行业无一幸免出现了营收缩水，除纺织、零售业外的105个行业至今未有起色。

By the influence of the international financial crisis,Wenzhou, foreign export take a heavy toll.Wenzhou small and medium-sized enterprise centralized distribution of more than 100 industry appeared none escape by luck camp shrinkage water,In addition to textile/Retail industry 105 industry has not better.

　　另外一头，诺亚温州的业务重心也在民间借贷风波之后有了大的改变。“这两年总公司那边接了很多信托产品，我们自然也会分包销售。关键最近一年投资者的心态发生了很大变化，慢慢也开始接受在稳健基础上追求相对回报的投资理念。”施程亮说，民间借贷风波是一次很好的投资者教育，投资者对投资的深入理解降低了回报预期，越来越多的客户偏好本金安全、稳定回报的产品，“固定收益产品今年出货量很大，相比前两年有很大增长”。

Another head,Noah wenzhou business center of gravity in folk loan storm after the big changes."These two years on the other side of the head office received a lot of trust products,Naturally we will subcontract sales.A recent years key investors state of mind has changed greatly,Slowly began to accept on a steady basis pursuit of relative return investment philosophy."Shi ChengLiang said,Folk loan storm is a very good investor education,Investors for a better understanding of the investment to reduce the expected return,More and more customers preference principal safety/Stable return products,"Fixed income products this year big shipments,Compared with the first two years have a great increase".

　　银行理财产品受追捧：“5%年收益就卖疯” Bank financing products are to chase after hold in both hands:"5% annual earnings will sell crazy"

　　银行主推的理财产品，一般都属于低风险高流动性固定收益类产品，都没有很高的预期收益，但如今在各家银行都卖得特别火，有的年化收益率过5%的银行理财产品能“卖疯”。

The main bank financial products,General belong to low risk high liquidity fixed income products,Have a high prospective earnings,But now in the Banks they sell out special fire,Some annualised rate of return over 5% of bank financing products can"Sell crazy".

　　打着固定收益招牌的不止第三方理财机构一家，更多的投资渠道来自正规金融的商业银行。

A fixed income signs more than financial institutions a third party,More investment channels from the formal financial commercial Banks.

　　在与温州市政府隔着一条街的新城大道府东路路口，紧挨着平安银行(000001,股吧)、工商银行(601398,股吧)、光大银行(601818,股吧)、中国银行(601988,股吧)等多家商业银行。记者一并走访后发现，虽然各家银行主推的产品类型并不相同，但有一个共同的特点，即都属于低风险高流动性固定收益类产品。这些产品都没有很高的预期收益，但如今在各家银行都卖的特别火。

In wenzhou government across the street of the city road house road crossing,Next to ping an bank(000001,guba)/Industrial and commercial bank of(601398,guba)/Everbright bank(601818,guba)/The bank of China(601988,guba)And so many commercial Banks.Reporters found together after visiting,Although Banks main product type is not the same,But there is a common feature,That is all belong to low risk high liquidity fixed income products.These products have high expected return,But now in the Banks sell all the special fire.

　　工行开发区支行营业部理财经理告诉记者，该行的客户购买理财产品时大多都要求保本，收益率低一点倒不是客户主要的考虑因素。12月初，工行温州地区给出的日日理财产品预期年化收益率为2.2%-2.4%、周周理财产品年化预期收益率为5%-7%、月月理财产品年化预期收益率为6%左右。

Icbc development zone branch sales finance manager told reporters,The bank customers buy financial products mostly are required to break even,Low yields a customer is not the main consideration.Early December,Icbc wenzhou region given day financial products expected annualised return of 2.2% - 2.4%/Week in financial products change required rate of return is 5% - 7%/Month in and month out financial product annualised required rate of return is 6%.

　　对此，上述理财经理给出的解释是：银行相对其他金融机构在理财产品上的风格相对更加稳健，这主要是基于银行客户的风险偏好为低风险低收益。

this,The financial manager given explanation is:Bank relative to other financial institutions in the financial products style relative more robust,This is mainly based on the bank customer's risk preference for low risk low income.

　　光大银行温州分行零售业务部经理在与记者私下交流时也坦言，银行销售（实为代为推荐）信托产品说白了已经是在信托机构发售产品的基础上又拨了一层皮，给到客户的收益率自然是不高的，银行的优势产品其实还是最基础的现金产品。

Everbright bank wenzhou branch retail sales department manager in private conversation with reporters also said,Bank sales(Actually to recommend)Trust products after all is in the trust mechanism on the basis of this product and dial the a layer of skin,Give to the customer's return nature is not high,The advantage of the bank or the product is the most basic cash products.

　　在遭受了民间借贷风波的打击之后，温州的普通投资者变得谨小慎微，甚至是“逆来顺受”。

In face of the folk loan after the shock of storm,Wenzhou of ordinary investors become an old maid,even"Grin and bear it".

　　走访期间，记者发现的银行理财怪现象是，年化收益率能过5%的银行理财产品能“卖疯”。老周告诉记者，“温州本地生意最好的商业银行不外乎农业银行(601288,股吧)、招商银行(600036,股吧)等几家大银行，大家愿意挤破头去买产品就是冲着大银行保险”。

During the visit,Reporter discovery of bank financing is strange phenomena,Annualised rate of return can have 5% bank financing products can"Sell crazy".Lao zhou told reporters,"Wenzhou local business the best commercial bank nothing more than the agricultural bank(601288,guba)/Merchants bank(600036,guba)And several big Banks,We are willing to squeeze broken head to buy products is blunt big bank insurance".

　　一国有银行温州分行零售部总经理对此也颇为赞同，“以前温州多的是太太炒房团，习惯了高举高打，也赶上了经济增长的好时候，现在房子房子套牢，股市股市下跌，到了利润回归的时候，环境改变了一切”。他说，产业空心化和经济的结构性矛盾集中爆发，使得投资者开始关注风险，对收益的期望值回归到合理水平，而银行理财产品的收益、风险、流动性也是根据客户心态和外部环境的变化而变化，理财到了该理性对待的时候。

A state-owned bank wenzhou branch retail department general manager are quite agree with,"Wenzhou before is wife form a group,Accustomed to exalt skyer,Also catch up with the economic growth of the good time,Now the house is the house hung up,Stock market fell,The profits back,The environment changed everything".He said,Industry KongXinHua and economic structural contradictions concentrated outbreak,The investors begin to pay close attention to risk,For income expectations return to a reasonable level,And bank financing products of income/risk/Liquidity is also according to the customer mentality and the external environment changes,Financial management to the rational treatment time.

　　据悉，近年来温州地区购买银行理财产品的客户层越来越年轻化，40岁的中年人群乃至30岁的白领阶层已经成为银行理财产品的主力客户群。

It is reported,In recent years, wenzhou area to buy bank financing products customers layer more and more younger,Forty years old of middle-aged people and even 30 years old white collar has become the bank financing products the main customer base.

　　温州金改稳步推进：重构“二元金融”生态 Wenzhou gold to steadily:reconstruction"Binary financial"ecological

　　下一步，温州市将围绕“民间融资—>金融服务—>实体经济—>金融监管”的主线，通过搭建平台、完善机制、强化服务、加强监管，真正形成与国有银行相匹配、与实体经济相互支撑融合的金融生态体系，为实体经济发展提供优质金融服务。随着温州的“二元金融”生态得以重构，民间金融和正规金融会在温州找到各自运行的规则和市场。

The next step,Wenzhou will focus on"Folk financing ->Financial services ->Entity economy ->Financial supervision"main,Through the platform structures/Perfect the mechanism/Enhance service/Strengthening the supervision of,The real match formation and state-owned Banks/And the real economy to support each other fusion financial ecological system,For the real economy development to provide high quality financial services.Along with the wenzhou"Binary financial"Ecology to reconstruct,The folk finance and formal finance will be in wenzhou find their operation rules and market.

　　至今，温州地区的商业银行还没有跨出设立私人银行这一步，多的是财富管理中心和理财中心。上述国有行温州分行零售部总经理认为，理财的本质是在保值基础上实现资产增值，长期以来温州的客户群对这一点是有误解的。财富管理需要多个渠道、多种产品的组合才能实现目的，关键一点是要打开混业，而前提就是作为利率市场化前奏的理财。

has,Wenzhou district commercial Banks have not step out of the establishment of private bank this step,Much is wealth management center and financial center.The state-owned line wenzhou branch retail department general manager think,That is the essence of financial management in the value realization based on the value of assets,For a long time the customer base in wenzhou to this is a misunderstanding.Wealth management require multiple channels/The combination of a variety of products to achieve the purpose,The key point is to open mixed,But premise is as a prelude to interest rate marketization of financial management.

　　来自温州市金融办的数据显示，温州现有银行业机构25家，全国十大股份制商业银行已全部在温州落户，证券机构37家，期货机构15家，保险机构41家，从业人员超过5万人。“十一五”以来，金融业对全市经济增长贡献率均保持在9.6%以上，金融业对GDP带动作用为1:9.55。

From wenzhou financial do data display,Wenzhou existing banking institutions and home,National top ten joint stock commercial Banks have all settled down in in wenzhou,Securities institutions and home,Futures institutions 15,Insurance institutions and home,Employees more than 50000 people."11th five-year plan"since,The financial industry to the contribution of economic growth are to stay above 9.6%,The financial industry to GDP for the leading role ". 55.

　　温州市金融办在11月中旬提交的一份名为《温州金融综合改革试验区工作情况介绍》的文件中这样提到：30多年的改革开放解决了许多关键性问题，但要素市场化改革不彻底、地方金融体制改革相对滞后、与民营经济发展严重不匹配，尤其是“两多两难”问题无法从根本上解决，影响经济社会加快发展、转型发展。特别是2011年8月局部民间金融“风波”出现后，凸显了金融体制改革的重要性和紧迫性，也进一步加快了国家对金融体制机制改革的决心。

Wenzhou financial do in mid-november submitted a name[Wenzhou financial comprehensive reform pilot work is introduced]File such mentioned:More than 30 years of reform and opening up to solve the many key issues,But elements market reform is not complete/Local financial system reform relative lag/With the development of the private economy serious don't match,especially"Two more dilemma"Problems cannot be fundamentally solved,Speed up the development of economy and society effect/Transformation development.Especially in August 2011, local folk finance"storm"appears,The reform of the financial system highlights the importance and urgency,Also further speed up the state of financial system reform of mechanism of determination.

　　2012年3月28日，国务院常务会议决定设立温州市金融综合改革试验区；7月27日，中国人民银行等9部委联合批复了浙江省温州市金融综合改革试验区总体方案；11月23日，温州市按照总体方案确定的12项主要任务，正式发布《浙江省温州市金融综合改革试验区实施方案》。

In March 2012, and day,The state council executive meeting decided to set up wenzhou financial comprehensive reform pilot area;July 27,,The people's bank of China 9 departments jointly written reply to a subordinate body of zhejiang province the wenzhou financial comprehensive reform pilot area overall scheme;On November 23,,Wenzhou, in accordance with the overall plan of the 12 main task,Issued a formal[Zhejiang wenzhou financial comprehensive reform pilot implementation plan].

　　温州市金融办人士介绍，下一步，温州市将围绕“民间融资—>金融服务—>实体经济—>金融监管”的主线，通过搭建平台、完善机制、强化服务、加强监管，真正形成与国有银行相匹配、与实体经济相互支撑融合的金融生态体系，为实体经济发展提供优质金融服务。

Wenzhou financial do personage introduction,The next step,Wenzhou will focus on"Folk financing ->Financial services ->Entity economy ->Financial supervision"main,Through the platform structures/Perfect the mechanism/Enhance service/Strengthening the supervision of,The real match formation and state-owned Banks/And the real economy to support each other fusion financial ecological system,For the real economy development to provide high quality financial services.

　　“除了要做好金改实施方案获批的各项工作外，温州市将积极引导民间融资的规范化和阳光化，创新发展功能完善的地方金融服务。”上述人士告诉记者，其中就包括发展新型金融组织和非银行机构以及完善金融产业平台。

"In addition to make gold change implementation plan approved work outside,Wenzhou will actively guide the folk financing standardization and the sunshine change,Innovation development function perfect local financial services."The source told reporters,Including the development of new financial organizations and non-banking institutions and improve and perfect the financial industry platform.

　　2012年7、8月，大批境外资金受欧债危机影响从欧洲折回温州寻找投资机会，大量民间资本再度回流温州。

In July 2012/August,A large number of foreign capital by the debt crisis from Europe retrace wenzhou looking for investment opportunities,A large number of private capital return wenzhou again.

　　中国人民银行温州中心支行副行长蔡灵跃在谈及此事时认为，随着温州的“二元金融”生态得以重构，民间金融和正规金融会在温州找到各自运行的规则和市场，“民间金融是正规金融无法取代的，也是对正规金融的有益补充，对民间融资必须规范引导，对正规金融则要因地制宜、创新发展”。

The people's bank of China wenzhou branch deputy President CaiLingYue center on the matter said,Along with the wenzhou"Binary financial"Ecology to reconstruct,The folk finance and formal finance will be in wenzhou find their operation rules and market,"The folk finance is formal financial can't replace,But also of the beneficial supplement of the formal financial,The folk financing must be standardized, guide,To formal financial should adjust measures to local conditions/Innovation development".