“温州金改虽然出台了细则，但没有具体的操作规程，大家也不知道找哪个部门对接，如何申报。”温州管理科学研究院院长、温州中小企业发展促进会会长周德文昨日对《第一财经日报》记者说。

"Wenzhou gold change although issued rules,But there is no specific operation procedure,We also don't know to seek what department butt,How to declare."Wenzhou management science research institute President/Wenzhou small and medium-sized enterprise development council for the promotion of ZhouDeWen President yesterday[The first financial daily]reporters.

　　作为浙江省人大代表，周德文在参加浙江两会之前撰写了多份议案，其中，温州金改是重点内容之一，长期关注民间金融的周德文认为，现实与理想之间还存在不少差距，温州金改在民间资本直接参与银行业竞争、利率市场化这些核心问题上没有实质性突破，金融综合改革何去何从令人担忧。

As the National People's Congress of zhejiang province,ZhouDeWen in the zhejiang before two wrote a lot of bill,the,Wenzhou gold change is one of the important content,Long-term focus on folk financial ZhouDeWen think,Between the ideal and reality there are still quite a few gap,Wenzhou gold change in the folk capital directly involved in banking competition/Interest rate marketization these core problem has no substantive breakthrough,Financial comprehensive reform what course to follow worrying.

　　细则还需具有操作性 Rules should have operability

　　2012年3月28日，国务院常务会议批准实施《浙江省温州市金融综合改革试验区总体方案》，决定设立温州市金融综合改革试验区，并确定了12项主要任务，自启动至今已近10个月，在引导民间融资规范化阳光化、推进中小企业金融服务创新、破解中小企业融资难以及加强地方金融监管和风险防范等方面取得了一定成效。

In March 2012, and day,The state council executive meeting for approval[Zhejiang wenzhou financial comprehensive reform pilot area overall scheme],Decide to establish a wenzhou financial comprehensive reform pilot area,And make sure the 12 main task,Since the launch had been nearly ten months,In guiding the folk financing standardization sunshine change/Promoting small and medium-sized enterprise financial service innovation/Small and medium-sized enterprise financing difficult to break and strengthens the local financial supervision and risk prevention of certain achievements have been made in the.

　　2012年11月23日《浙江省温州市金融综合改革试验区实施方案》（下称“温州金改细则”）也相应出台。但是，细则如何真正落实下去，让已经成行的改革能够得到具体的实施，引起了周德文的注意。

As of November 23, 2012[Zhejiang wenzhou financial comprehensive reform pilot implementation plan](Hereinafter referred to as"Wenzhou gold change rules")Also introduced the corresponding.but,How to carry out detailed rules really go,Let have lines of reform to get specific implementation,Caused the attention of the ZhouDeWen.

　　周德文在议案中写道：“温州金改细则”也有诸多亮点，比如，把个人资本海外直投放在比较重要的位置，原来是研究开展个人境外直接投资试点，现在是允许进入，虽然还没有开始实施，但已有所进步。

ZhouDeWen wrote in the bill:"Wenzhou gold change rules"And there are many different window,Such as,The personal capital overseas direct invest in more important position,The original is the study of foreign direct investment in the individual pilot,It is permitted to enter,Although has not started,But has been improved.

　　另外，允许小贷公司发行私募债也是亮点，原来小贷公司的资金来源要么是自有资本，要么向银行拆借50%，现在允许小贷公司发行私募债，拓展了融资领域，对企业是有利的。特别在直接融资方面，提出建立温州地方性的证券公司和信托公司，这在以前是没有的。

In addition,Allow small loan companies issuing SiMuZhai is window,The original small loan company funds or equity capital,Either to the bank lending by 50%,Now allow the small loan companies issuing SiMuZhai,Expand the field of finance,To the enterprise is beneficial.Especially in the aspect of direct financing,Proposed wenzhou local securities companies and trust company,This in the past is no.

　　“但是，细则还不够细，需要进一步完善、细化。”周德文指出，如个人资本海外直投怎么申请，什么条件转入，在海外投资领域有何限制；又如设立证券公司、信托公司、地方性保险公司具体怎么涉入，怎么样的条件可以筹建，需什么程序审批，谁审批，这些都没有明确的规定，也没有操作的规程。

"but,Rules are not fine,Need further improvement/refining."ZhouDeWen pointed out that,Such as personal capital overseas straight for how to apply for,What conditions to,In the field of overseas investment have any restrictions;And such as setting up a stock company/Trust company/Local insurance company specific how involved in,How can the condition of preparation,What is the procedure to the examination and approval,Who examination and approval,These are not clearly defined,Also does not have the operation procedures.

　　“又比如说，小额贷款公司可以改制为村镇银行，究竟怎么转，从目前来看，这一点很难做到，”周德文说，“这让大家觉得还是无以适从，怎么进入还不知道，只有根据这些实施细则再做单项操作规程，这样才能更好地操作、更好地推进。”

"And such as,Small loan companies can be reorganized into a town bank,Turn what,It seems,It is hard to do,"Messina said,"It makes you feel or beyond the fitness,How to get into still don't know,Only according to the detailed rules for the implementation of these to do single operation procedures,In order to better operation/Better promote."

　　利率市场化可在温州分步实施 Interest rate marketization can implement step by step in wenzhou

　　除了具体操作实施以外，周德文认为温州金改还需尝试更为大胆的突破。

In addition to outside of the operation and implementation,ZhouDeWen think wenzhou gold to still need to try more bold breakthrough.

　　国务院对温州金融综合改革试验区确定的12项主要任务中，第二条明确提出“鼓励和支持民间资金参与地方金融机构改革，依法发起设立或参股村镇银行、贷款公司、农村资金互助社等新型金融组织。符合条件的小额贷款公司可以改制为村镇银行。”

The state council of wenzhou financial comprehensive reform pilot area determine 12 major tasks,Article 2 clearly put forward"To encourage and support the folk capital to participate in the local financial institution reform,Established according to law or equity town bank/Loan company/Rural fund cooperatives and so on the new financial organizations.Meet the conditions of the small loan companies can be reorganized into a town bank."

　　周德文认为这一条在接下来应大胆推进，要突破过去设立村镇银行必须由商业银行发起的规定。

ZhouDeWen think this one should be bold in the next advance,In order to break through the establishment of the village bank must by commercial Banks of the provisions of the launch.

　　“城市合作社就是温州人发明的，当年的城市信用社就是民营银行，三四十家城市信用社为中小企业提供贷款服务发挥了很好的作用，台州当时学习温州，也设立城市信用社，最终城市信用社改为民间银行即泰隆银行，现在也运作得很好。”他表示。

"Wenzhou city cooperatives is a human invention,The urban credit cooperatives is private Banks,Urban credit cooperatives 40 home loans to small and medium-sized enterprise service has played a very good role,Taizhou when learning wenzhou,Set up urban credit cooperatives,The city credit cooperatives to folk bank namely tyrone bank,Now also works well."He said.

　　另外，对于最近呼声越来越高的利率市场化问题，周德文认为，温州民间借贷一直是“利率市场化”的，只是不敢阳光化，没有规范化运作。如今温州既然作为金融改革试验区，就要勇于尝试。

In addition,In the recent call more and more high interest rate marketization problem,ZhouDeWen think,Wenzhou folk lending has been"Interest rate marketization"of,Just can't change the sun,No standardized operation.Now wenzhou since as a financial reform pilot area,Will have the courage to try to.

　　周德文建议“利率市场化”可以在温州分步实施：第一步，民间借贷公开实行利率市场化；第二步，小贷公司、村镇银行或者农村信用社改制的商业银行等地方性金融机构可以先行试点；第三步推广到温州所有金融机构；第四步，可以考虑通过顶层设计在全国范围内推广。

ZhouDeWen Suggestions"Interest rate marketization"Can implement step by step in wenzhou:The first step,Folk lending openly practised interest rate marketization;The second step,Small loan companies/Town bank or rural credit cooperatives reform of commercial Banks and other local financial institutions can first pilot;The third step is generalized to wenzhou all financial institutions;Step 4,Can consider through the top design in the nationwide promotion.