每日经济新闻(博客,微博)记者 田文会 发自北京

Daily economic news(blog,Micro bo)Reporter TianWenHui from Beijing

　　民进中央经济委员会副主任、温州中小企业发展促进会会长周德文昨日（1月23日）公布了其准备提交2013年十二届一次浙江省人大的“关于推进温州金融综合改革试验的建议”。

The central committee of the China economic commission deputy director/Wenzhou small and medium-sized enterprise development council for the promotion of ZhouDeWen President yesterday(On January 23,)Announced its ready to hand in 2013 the first twelve years of zhejiang province National People's Congress"On promoting the wenzhou financial comprehensive reform test proposal".

　　周德文认为，温州市金融综合改革试验启动至今近10个月，做了许多工作，取得了一定成效。但这些工作与成效与人们对金改的期待有不少差距，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，令人有些失望，金融综合改革何去何从让人担忧。因此，他将再次提出多项建议。

ZhouDeWen think,Wenzhou financial comprehensive reform test start has nearly ten months,Do a lot of work,Certain achievements have been made in the.But the work and achievement and people on the gold to look forward to have a lot of difference,In the folk capital directly involved in banking competition,"Interest rate marketization"These core problem has no substantive breakthrough,Is somewhat disappointed,Financial comprehensive reform to worry about where to go.so,He will again put forward many Suggestions.

　　他认为，要勇于开展利率市场化试点。利率市场化是必须要走的路，管理层也曾多次表示利率市场化的条件已经基本具备。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，既然作为金融改革试验区，就要勇于尝试。

He thinks,Courage to carry out pilot interest rate marketization.Interest rate marketization is must be the way to go,Management also had repeatedly said that the condition of interest rate marketization has been met.Wenzhou folk lending has been"Interest rate marketization"of,Just can't change the sun,No standardized operation,Since as a financial reform pilot area,Will have the courage to try to.

　　他建议温州利率市场化改革可以分步走：第一步，民间借贷公开实行利率市场化，不要用基准利率的4倍去限制它，实际限制也是无效的。第二步，在地方性的金融机构，如小贷公司、村镇银行或者农村信用社改制的商业银行先行进行试点。试点没有问题后，第三步，推广到温州所有金融机构，包括四大银行在温州的分支机构，如果几轮下来没问题，说明利率市场化不会冲击金融秩序。第四步，可以考虑通过顶层设计在全国范围内推广。

He suggested that wenzhou interest rate marketization reform can step away:The first step,Folk lending openly practised interest rate marketization,Don't use benchmark interest rates four times to limit it,The actual limit is invalid.The second step,In the local financial institutions,Such as small loan companies/Town bank or rural credit cooperatives reform of commercial bank first pilot project.After the pilot is no problem,The third step,Promotion to wenzhou all financial institutions,Including four big Banks in wenzhou branch,If a few wheel down no problem,That interest rate marketization will not impact the financial order.Step 4,Can consider through the top design in the nationwide promotion.

　　另外，村镇银行主发起人也是他很关注的问题。2012年，银监会曾明确对《每日经济新闻》记者表示，坚持银行作为村镇银行主发起人的要求。

In addition,Town bank main sponsors and he is very concern.In 2012,,The CBRC has to clear[Daily economic news]reporters,Adhere to the bank as the main sponsors village bank requirements.

　　此次，周德文建议要突破设立村镇银行必须由商业银行发起的规定。国务院对温州金融综合改革试验区确定的12项主要任务，其中第二条明确提出“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、农村资金互相社等新型金融组织。符合条件的小额贷款公司可以改制为村镇银行。”由此，应该大胆去做，突破过去对村镇银行设立必须由商业银行主发的规定。

the,It is suggested to set up ZhouDeWen breakthrough village bank must by commercial Banks of the provisions of the launch.The state council of wenzhou financial comprehensive reform pilot area established 12 main task,The 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 capital mutual club and so on the new financial organizations.Meet the conditions of the small loan companies can be reorganized into a town bank."this,Should be bold to do,The breakthrough of village Banks must be set up by the commercial bank main hair regulations.

　　另外，周德文还提出要加快民间借贷立法进程。去年，他曾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。

In addition,ZhouDeWen also proposed to speed up the process of folk loan legislation.Last year,He had 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.