不断高企的民间金融债务，让温州各界“寝食难安”。

Constantly high folk financial debt,Let wenzhou from all walks of life"aid".

　　5日，温州市召开首次金融监管和金融审判联席会议（下称“温州市金融联席会议”）上，温州市中级人民法院（下称“温州市中院”）透露，目前全院受理的民间金融债务规模已超过500亿元，加上公安机关受理的尚未起诉的集资类案件，及其他尚未进入诉讼阶段的民间债务、银行信用卡透支等纠纷，预计温州民间债务规模很可能已达到1000亿元。

5,,Wenzhou city for the first time a financial supervision and financial judgment joint meeting(Hereinafter referred to as"Wenzhou financial joint meeting")on,Wenzhou city intermediate people's court(Hereinafter referred to as"Wenzhou then")revealed,Now accept partial folk financial debt scale has more than 50 billion yuan,With the public security organ shall not prosecuted cases funds,And the other is not yet in action phase of the private debt/Bank credit card overdraft dispute and so on,Is expected to wenzhou folk debt scale is likely to have reached 100 billion yuan.

　　“民间金融债务危机侵蚀着整个金融体系的安全。”温州市中院一位负责人说，当前个案债务数额大、担保链冗长的问题，极易造成企业大面积涉诉情形的发生。

"Folk financial debt crisis erosion the whole financial system security."Wenzhou then a person in charge said,The current case amounts of debt/The problem of long chain guarantee,Easily cause large enterprise involving lawsuit case happened.

　　民间金融债务飙升 Folk financial debt soared

　　温州市中院统计，2012年该市法院共受理民间借贷案件、金融借款合同纠纷案件25904件，案件标的总额为462.62亿元，分别同比上升了86.98%和553.6%。目前，温州法院金融审判法官人均结案227件，高居全省第一。

Wenzhou then statistics,In 2012 the city court dealt with folk loan case/Financial loan contract dispute case 25904 pieces,A total of 46.262 billion yuan in case mark,Respectively 86.98% and 553.6% year-on-year.At present,Wenzhou court trial judge financial case per capita 227 pieces,At the first.

　　“民间借贷风险正在向银行蔓延。”温州市中院副院长陈有为在温州市金融联席会议上说。

"Folk loan risk is spread to the bank."Wenzhou then vice President ChenYouWei in wenzhou financial joint meeting.

　　2008年，温州法院受理的民间借贷案件数量开始大幅攀升，金融借款案件数量上升态势并不明显。2011年9月，民间借贷危机爆发后，民间借贷和金融债务涉案标的比例超过2：1。但是自去年开始，金融借款纠纷急剧攀升，金融债务规模达242.23亿元，超过了民间借贷的220.39亿元。

In 2008,,Wenzhou court accepts the folk lending case quantity began to rise sharply,The number of financial borrowing rise is not obvious.In September 2011,After the outbreak of folk loan crisis,Folk loan and financial debt subject involved more than two proportion:1.But since the start of last year,Financial loan disputes rising sharply,Financial debt scale up to 24.223 billion yuan,More than the folk lending 22.039 billion yuan.

　　同时个案债务金额迅速增长。陈有为说，从2008年到2012年，该院受理的民间借贷案件数量增长了3.8倍，标的额增长近21倍，个案平均标的额从20.32万元增长至113.33万元；金融借款案件数量约增长7倍，标的额增长超过54倍，个案平均标的额从48.8万元增长至375万元。

At the same time, the amount of debt case rapid growth.ChenYouWei said,From 2008 to 2012,The hospital accepts the folk lending case quantity increased 3.8 times,Bid growth nearly 21 times,The average case is drawn from 203200 yuan to 1.1333 million yuan growth;Financial loan case about growth number seven times,Bid more than 54 times growth,The average case is drawn from 488000 yuan to 3.75 million yuan growth.

　　随着融资规模攀升，企业担保链大幅扩张，联保互保问题严重。陈有为说，以前一个借款人大多只有一个担保人，如今担保人数量却大大增多。从温州市中院近期受理的案件看，金融借款案件个案平均担保人超过5个，最多的甚至达20多人。

Along with the financing scale up,Enterprise guarantee chain expand,Joint guarantee fidelity serious problem.ChenYouWei said,A borrower before most only a guarantor,Now the guarantor quantity is greatly increased.From wenzhou then recent accepts the case to see,Financial loan guarantor case case average more than 5,Most even up to twenty people.

　　如此高的民间金融债务，不仅“抽干”了温州民间借贷资金“血液”，而且极有可能推动温州银行业不良贷款的上升。即便在2011年中旬借贷市场活跃期，人行温州市中心支行发布的《温州民间借贷市场报告》称，估计市场规模约1100亿元。

Such a high folk financial debt,Not only"dry"The wenzhou folk loan fund"blood",And is likely to promote the rise of wenzhou banking bad loans.Even in the middle of 2011 lending market active period,Pedestrian wenzhou central subbranch of release[Wenzhou private lending market report]says,Estimated market size of about 110 billion yuan.

　　“问题挺严重的，说明风波还没有完全过去。”一位参与此次金融联席会议的人士说。

"Problem is quite serious,That storm is still not fully in the past."A joint meeting in the financial people said.

　　处置民间金融纠纷机制 Disposal of folk financial dispute mechanism

　　5日的温州市金融联席会议出台了《温州市金融监管和金融审判联席会议制度》（送审稿），这也是温州首个针对金融监管和审判的官方“处置民间金融纠纷机制”。

The 5th of wenzhou financial joint meeting issued[Wenzhou financial supervision and financial judgment joint conference system](SongShenGao),This is also the first wenzhou for financial supervision and judicial official"Disposal of folk financial dispute mechanism".

　　据介绍，温州市金融联席会议由市中级人民法院、市金融局、市经信委、市人行、温州银监分局、市保监分局、市法制办等会员单位组成。此外，可根据工作需要，通知其他相关部门参加。

According to introducing,Wenzhou financial joint meeting by the municipal intermediate people's court/City bureau of finance/City committee by the letter/City pedestrian/Wenzhou branch silver prison/City branch of the prison/The city such as legislative member unit composition.In addition,According to work need,Notice to other relevant departments.

　　值得关注的是，这次联席会议还出台了《关于加大保护金融债权扶持发展民间金融服务保障金融改革的若干意见》（送审稿），主要内容涉及：畅通银行不良资产处置绿色通道；加快推进银行不良资产核销；依法规范和支持银行业对外转让不良资产；加强跨省市银行不良资产清收等10条意见。

There is concern,This joint meeting is introduced[On increasing financial creditor's rights protection to support the development of private financial services security financial reform certain opinions](SongShenGao),The main contents include:Clear bank non-performing assets disposal the green channel;Accelerate the bad bank assets cancel after verification;To standardize and support foreign banking transfer of bad assets;Strengthen the provinces and cities across the bank bad assets recovery and ten opinion.

　　之前本报曾独家报道，截至去年12月末，温州银行业不良贷款额262.84亿元，不良率高达3.75%，而2011年6月末该比例仅为0.37%。目前，温州已成为全国不良贷款的重要来源地。

This newspaper has reported before the sole,As of December last year,Wenzhou banking bad loan specified amount is 26.284 billion yuan,Defect rate as high as 3.75%,And at the end of June 2011 the ratio is only 0.37%.At present,Wenzhou has become the important source of bad loans.

　　温州大学常务副院长张一力教授昨天接受《第一财经日报》记者采访时说，因温州金融综合改革而立项，涉及民间借贷、民间融资服务、民间融资组织等多方面的《浙江省温州民间融资管理条例》草案已经完成，有望在今年实施，有利于规范民间借贷市场。

Wenzhou university professor ZhangYiLi standing vice President yesterday to accept[The first financial daily]reporters,For wenzhou financial comprehensive reform and project approval,Folk lending in/Folk financing service/Folk financing and other aspects of organization[Zhejiang wenzhou folk financing management regulations]Draft has been completed,Is expected to carry out this year,To regulate private lending market.

　　一些接近温州市政府的人士说，目前一些温州民企“逃废债”现象（本报1月25日曾做报道），已经引起当地政府高度关注，甚至有领导在会上表示，今年要抓几个典型代表。

Some people close to wenzhou government said,At present some wenzhou corporation"enforcement"phenomenon(The January 25 was reported),The local government has attracted high attention,There is even leadership at the meeting said,This year to catch a few typical representative.

　　该人士认为，一些温州企业“造血”功能已经很差，目前“还本付息”都面临很大困难。与其给予转贷资金，苟延残喘地活着，还不如加速它们破产重组，早点推动温州经济“筑底回升”。据统计，去年温州法院受理破产案件27件，约占全省同期此类案件的1/4。

The people think,Some wenzhou enterprise"hematopoietic"Function is very poor,At present"servicing"Are all faced with great difficulty.And give onlend funds,Linger in life,As the accelerated their bankruptcy reorganization,To promote early wenzhou's economy"Building bottom rebound".According to the statistics,Wenzhou court last year and that the acceptance of the bankruptcy case,Accounts for about a quarter of the same period the such cases.