区域经济

Regional economic

　　囿于独特的闽南企业文化，外加实体经济环境短期内难以改变，要谨防泉州金改沦为一场豪赌的盛宴。

Owing to the unique enterprise culture of south fujian,Plus the entity economic environment in the short term is difficult to change,To beware of quanzhou gold changed into a gamble feast.

　　第三个国家级金融综合改革试验区尘埃落定，福建泉州市成为继温州和珠三角之后，试水金改的又一幸运的“宠儿”。

The third national financial comprehensive reform pilot area the dust settles,Quanzhou city in fujian province in the pearl river delta and after wenzhou,Test the waters gold change and a lucky"pet".

　　相较于温州金改重点在于理顺民间借贷系统，珠三角核心在于金融国际化，本次泉州金改的着力点落在了“开展石化、鞋业、纺织服装产业投资基金试点，支持设立创业投资引导基金，加大政府对创业投资引导基金的投入”。服务实体经济的方向十分明显，泉州金改能够很清晰地与之前两次区隔开来。在中国经济整体走向结构转型、重振实体经济的当口，以金改为突破口，盘活民营经济可谓一步好棋。

Compared with wenzhou gold change focus is to rationalize the folk lending system,The pearl river delta is the core of the financial internationalization,The quanzhou gold change focus falls on the"In petrochemical/shoes/Textile clothing industry investment fund pilot,Support the establishment of venture investment guide fund,To strengthen the government to venture investment guide fund input".Service entity economic direction is very clear,Quanzhou gold change can be clearly before and two area off to.In China's economic structural change in the overall trend/Revive entity economic crisis,With gold to breakthrough,Revitalize the private economy is a good step by step.

　　目前，泉州民营经济极其发达，拥有一大批知名度甚高的品牌，境内外上市公司数十家晋江的鞋业、石狮的服装、德化的陶瓷、南安的水暖等，已经形成了一批全国有影响力的产业集群。不过，多数企业正处于急需由粗放往品牌转型的过程当中，普遍存在利润单薄、创新低下的难题。而转型，最需要的当然是充沛的资金。

At present,Quanzhou private economy is well developed,Has a large number of very high reputation of the brand,Listed companies both at home and abroad, dozens of jinjiang footwear/Shishi clothing/Dehua ceramic/The nanan plumbing, etc,Has formed a number of national influential industry cluster.but,Most of the enterprise is in need to the extensive brand transformation process,Widespread thin profits/The problem of low innovation.And the transformation,The most need of course is abundant capital.

　　这些年，碍于金融体制改革的滞后，这些企业很难在国有银行系统获得贷款，最终他们多数诉诸民间借贷系统。同时，投资渠道受限，很多泉州民间资本都涉足了房地产领域，或者投放高利贷，以彼此间赖于互信为前提的资金拆借。像七匹狼、九牧王(601566,股吧)等知名企业，都直接或间接的参与了不少的金融和房地产投资，而在生产主业层面的谋划转型方面，一直止步不前。

these,In financial system reform lag,The enterprise is difficult to get loans in the banking system,Eventually they most appeal to folk lending system.At the same time,Limited investment channels,A lot of quanzhou folk capital are involved in the field of real estate,Or put on the usury,With each other depends on mutual trust as the premise of money lending.Like septwolves/Nine animal husbandry king(601566,guba)Famous enterprises such as,Are directly or indirectly involved in a lot of financial and real estate investment,And in the main production level of planning in the transformation,Has been Mired in stalemate.

　　如今，泉州金改着眼于激活产业资本，若能执行到位，将为泉州民企的下一步发展奠定基础。规范化的产业投资基金，除能为民企融资外，还可以利用自身的专业优势，积极参与被投资企业的经营管理。这样一来，可规避以往的民间借贷模式，单纯为了博取短期利润，而致使企业时常陷入资金链危机的困境。

now,Quanzhou gold to focus on activation industrial capital,If you can implement in place,For the further development of the quanzhou corporation lay the foundation.Standardization of the industrial investment fund,In addition to the financing for the corporation,Still can use their own professional advantage,Actively participate in the company management.so,Can avoid past folk lending mode,Simple fishing for short-term profits,And the enterprise often caught capital chain crisis dilemma.

　　接下来，泉州金改需防重走温州金改的覆辙雷声大、雨点小。自今年3月份温州金改启动以来，至今许多实质性改革难以推进，九个多月时间了收效并不显著。而泉州金改的可操作性明显要高于前面两者，无需啃咬利率市场化、民营银行试点等“硬骨头”，只需扎实推进做好服务于实体经济的工作。而且，泉州的民间借贷风险，较之去年的温州要小很多，外加泉州当地的实体经济长期发展迅速，扎实推进服务于实体的金改，阻力应小很多。

The next,Quanzhou gold change need to prevent ChongZou wenzhou gold to mistakes of the thunder/air.Since march this year to wenzhou gold since the launch,So far many substantive reform to promote,Nine months time convergence is not significant.And quanzhou gold change operability obviously to be higher than the front,No chewing on interest rate marketization/The pilot program of private Banks"Hard bone",Only in a down-to-earth manner to serve the real economy work.and,Quanzhou folk credit risk,Compared with last year's wenzhou are much smaller,Plus quanzhou local entity economy rapid development for a long time,Solid propulsion in the service of the entity to gold,Resistance should be much smaller.

　　与此同时，更应防止泉州金改“变异”风险。政策文件上虽然写服务实体经济，但是在具体执行过程中，囿于独特的闽南企业文化，外加实体经济环境短期内难以改变，泉州金改也随时会沦为一场豪赌的盛宴。本以引资金入实体的金改，反而可能会诱惑一批民营资本涉足其中，纷纷办起小贷公司、产业基金，这绝非金改初衷。实业与金改，二者能否融合得体，泉州民企能否实现二次腾跃，我们拭目以待。

meanwhile,We should prevent the quanzhou gold change"variation"risk.Policy documents while writing service entity economy,But in the concrete implementation process,Owing to the unique enterprise culture of south fujian,Plus the entity economic environment in the short term is difficult to change,Quanzhou gold change at any time and will become a gamble feast.This led to the capital of the entity to gold,It may lure a group of private capital into among them,Gardens are small loan companies/Industry fund,This is by no means gold change original intention.Industrial and gold to,The fusion can properly,Quanzhou corporation realization of secondary prance,We see.

　　倪金节（财经作家）

NiJin section(Financial writer)