温州金融改革深入到了农村地区。温州市首家农村资金互助会于上周五在温州市文成县开业，全称为“文成县黄坦镇农产品产销专业合作社资金互助会”。

Wenzhou financial reform goes to rural areas.Wenzhou first rural capital fraternity on Friday in wenzhou wencheng opening,All called"HuangTan wencheng town agricultural products production and marketing professional cooperatives capital fraternity".

　　来自文成县金融办的消息显示，去年6月18日，温州市委书记陈德荣就做出批示，要组建农村资金互助会。温州市农办新农村建设处处长黄方雷对本报记者表示，此前一共上报了57家申请单位，经过两轮筛选，批准了19家筹建，计划把互助会设在村股份经济合作社和农民专业合作社内。

Wencheng from financial do news show,Last June and,,Wenzhou secretary of municipal committee of the CPC ChenDeRong made instructions,To set up rural capital fraternity.Wenzhou NongBan new rural construction HuangFangLei director to our reporter said,Previously reported a total of 57 application unit,After two rounds of selection,Approved the 19 preparation,Plan the fraternity in village shares economic cooperatives and farmers' professional co-operatives inside.

　　农村互助式金融组织此前一直存在，中国第一家农村资金互助社于2003年3月即在吉林省四平市闫家村出现。黄方雷表示，目前银监会批准的农村资金互助社有50多家，而全国各地以各种形式存在的农村资金互助组织则超过万家。

Rural collaborative financial organizations had been there,China's first a rural mutual cooperatives in March 2003 in jilin province is SiPingShi leap in home village.HuangFangLei said,At present the CBRC approval of rural fund cooperatives more than fifty home,And all over the country in various forms of the existing rural capital mutual organization is more than.

　　温州市去年下发了关于农村金融体制改革的“1+11”系列文件。根据文件，农村资金互助会是指在有条件的农民专业合作社或村股份经济合作社内部，由合作社社员自愿入会组成、为会员提供资金融通服务的自我服务组织。

Wenzhou last year issued a circular on the rural financial system reform"1 + 11"Series file.According to the file,Rural capital friendly society refers to the conditional farmers' professional co-operatives or village shares economic cooperatives internal,The cooperative voluntary membership composition/To provide members financing service self service organization.

　　对于“互助社”和“互助会”的一字之别，黄方雷表示两者在经营业务和组织架构上是类似的，区别是互助社需由银监会批准。但目前银监会对农村资金互助社处于停批状态。为推进农村金融改革，在学习了江苏等地的经验后，温州市政府决定直接发展一些农村资金互助组织，名称就叫“互助会”，以温州市农业局为主管单位，农联合是牵头实施单位，金融办负责监管。

for"cooperatives"and"fraternity"A word of the don't,HuangFangLei said both in business and organizational structure is similar,Difference is to jointly by the approval of the CBRC.But at present, the banking regulatory commission (CBRC) on rural mutual cooperatives in stop batch of state.In order to promote the rural financial reform,In the study the jiangsu after the experience,Wenzhou government decided to direct the development of some rural capital mutual aid organization,Name call"fraternity",In wenzhou city bureau of agriculture to the competent unit,Farmers joint is lead the implementation unit,Responsible for the supervision of financial do.

　　首家互助会发起人15人，入会资金500万；互助会的会员有1668人，入会资金有40.67万元，人均入会金额为243元。该互助会相关负责人对本报记者表示，会员入会金额起点为100元，但会员的贷款金额并不以他的入会金额为上限。比如某会员入会资金为1万元，但如果他的农作物经营状况良好，也可以申请10万元的贷款。

The first union promoter 15 people,The capital of 5 million;Union members have 1668 people,The fund has 406700 yuan,The per capita amount of $243.The union of the relevant person in charge of our reporter said,The amount of members starting point for 100 yuan,But members of the loan amount is not in his membership value for upper limit.Such as a member of the fund for 10000 yuan,But if his crop management in good condition,Also can apply for 100000 yuan in loans.

　　文成县金融办表示，对互助会的总体要求是“组织封闭、对象封锁、上限封顶”和“有效控制风险、规范管理运作”。

Wencheng financial do said,The general requirements for fraternity is"Organization closed/Object blockade/Cap capped"and"Effective risk control/Management operation".

　　上述负责人表示，连同500万入会资金，互助会在一年之内的筹资上限为2500万元，吸纳和发放资金必须限制在本互助会会员内进行，且必须用于支持会员发展生产经营项目，特别是农业产业化项目。

The person in charge said,Along with the money 5 million,Union within a year of financing cap for 25 million yuan,Absorb and release funds must limit in this union members within the,And must be used to support the development of membership production management project,Especially in agricultural industrialization project.

　　黄方雷表示，温州农村地区发展互助会，只对入会会员提供资金服务，要在一个封闭的组织里边运行，有别于其他金融机构向社会公众开放。“就算发生风险，也是可防可控的，因为它是在一个封闭的组织里运行的。”

HuangFangLei said,Wenzhou rural areas development fraternity,Only for the member to provide financial service,In a closed group inside operation,Different from the other financial institutions to the social public open."Even if the risk happened,Also can prevent controllable,Because it is in a closed organization operation."